Search results for

budget

9 Essential Back-to-School Apps for Kids

This shop has been compensated by Collective Bias, Inc. and its advertiser, Walmart Family Mobile. All opinions are mine alone. #SummerIsForSavings #CollectiveBias #WFM4

 

9 Essential Back-to-School Apps for Kids

Back to school is a busy time for parents and students. Which is why each my family and I pack our bags for an official summertime vacation. Our goal, to pack in as much fun and frugal quality time, and education we can before the start of the next school year. This past weekend we hit the road to check out our state’s aviation, robotics, and engineering museum at Mississippi State University.

As you can imagine, the vacation expenses for a family of three can quickly add up. Even for in-state staycations. Which is why I am always on the lookout for savvy saving ways to cut expenses throughout our household each year. Savings which directly fund our back-to-school trips each year!

This included my family cellular service. At Walmart, I found the LG L59 Grace. Part of the Walmart Family Mobile. A device that helps my family not only communicate better but helps to stretch our family entertainment budget even further. It’s awesome to know that I won’t have to sacrifice service and safety to have great cellular coverage at home and on-the-go.

9 Essential Back-to-School Apps for Kids

With this plan, I now have TRULY Unlimited Talk, Text, & Data◊ which is a giant leap up from the plan we previously had before. With Walmart Family Mobile, I’m not paying extra for Walmart Family Mobile’s T-Mobile’s nationwide 4G network.

To get started I simply picked up my phone at my local Walmart and within a few minutes of being home was able to pick my plan and activate my service from the comfort of my patio garden!

There were no activation fees, no late charges, and I now get more data (on most plans) than my previous plan! Walmart has the best pricing in no-contract wireless plans and is the simplest to activate. Since my husband also has Walmart Family Mobile we get a discount for having my new line too!

9 Essential Back-to-School Apps for Kids

My new $49.88 TRULY Unlimited Plan from Walmart Family Mobile has become my favorite new way to save for frugal family fun. The best part? This plan helps to give our family the freedom to fit more adventure in our summer budget.

Normally planning summertime trips can be a true drudgery. Luckily, planning this last trip was all the more easy with the $49.88 TRULY Unlimited Plan from Walmart Family Mobile– I was able to plan our trip, map out fuel stations, save directions, buy museum tickets, and reserve our hotel reservation from my home patio. It was that simple!

Then with my awesome new phone in-hand we set off on two days of education-packed fun! As we were anticipating 6 full hours of in the car travel in front of us our first day, I thought this would be the perfect time to use our new LG L59 Grace to get in some educational time in for the kiddo! With the back-to-school season is just around the corner check out our list of the 9 must-have educational apps to get your kiddos ready for the 2017-2018 academic year (especially for long trips in the car).

9 Must-Have Apps For Back-to-School:

1) Socratic: Sometimes, a difficult question can stump your child. That’s where the Socratic app comes in. Just take a picture of a question and Socratic then uses artificial intelligence to figure out which concepts you need to know and shares explanations and resources to help your kiddo complete their homework and assignments. It’s free for ios and Android.

2) WonderBox: WonderBox is a family-friendly app for creating and sharing math and building exercises for kids in a social-style feed. There’s also a collection of YouTube videos to spark real-world creation and play. It’s free for ios and Android.

3) The Everything Machine: The Everything Machine app encourages children to create virtual machines on-screen. It’s a digital sandbox that may inspire kids to delve deeper into microelectronics in the real world. The app also has online resources for parents and children including a PDF manual and a YouTube channel to spark ideas. It’s free for ios and Android.

4) Endless Wordplay: Endless Wordplay is an app that brings together rhyming word puzzles and animated sequences that will have children and parents alike laughing while playing this game. This app is structured into lessons build on word-building and sentence structure success. It’s free for ios and Android.

5) Tynker: The Tynker app aims to introduce children to computer programming. This is done by way of a series of coding lessons and by dragging and dropping blocks of code into place, and running the results to see what happens. There’s also a fun function to teach kids how drones are constructed. Some of its puzzles are free, while others are sold in packs via in-app purchase.

6) Hopster: The Hopster app is a very modern attempt to turn the act of watching tv into a purely fun and academic hobby. It’s like an educational broadcasting network for kids. There’s a $3.99-a-month subscription service with a big selection of cartoons, lessons, language programs, and shows. Many of which focus on learning games including phonics, letter-tracing, and creative tasks.

7) Safari Tales: Safari Tales is an app that makes learning literacy skills fun through creative play featuring animals of the African savannah. While playing, kiddos use a word wheel to ask questions about what they see, practicing their sentence construction and then turn their lessons into digital storybooks that encourage more reading. It’s free for ios and Android.

8) Cursive Writing Wizard: This handwriting app isn’t intended to replace the important physical pencil-practice that children need when learning to write. Rather a complement to it, reinforcing letter shapes and joined-up writing. It’s also very customizable as you can enter your own word lists for your children to trace the letters of familiar words, names, and signage. It’s free for ios and Android.

9) Duolingo: Want your kiddos to learn new languages for free? Then Duolingo is for you! With this app, users are given bite-sized lessons to simply and effectively learn foreign languages including French, Spanish, Irish, Portuguese, and many others. This free app will give kiddos the ability to learn languages in an interactive way that feels more like play than learning. It’s free for ios and Android.

9 Essential Back-to-School Apps for Kids

Also during our trip, as a family, we were able to watch a free family movie on VUDU** in our hotel room. Because with the $49.88 TRULY Unlimited Talk, Text, & Data plan customers receive a free VUDU** movie rental credit valued at $7.00 each time they renew their service. Now with this new plan, we can look forward to having an extra family movie night each month too!

9 Essential Back-to-School Apps for Kids

All-in-all, we had a blast this past weekend! Some of the highlights of last week’s trip included visiting our state’s aviation museum to tour military plane models, rocket construction modules, robotic modules, STEM learning modulation simulation, and even a lecture on how to bring robotics into your child’s classroom and home. For my husband, a public educator and Robotics coach, this was a trip to remember!

Friends, I encourage you to check out this plan from Walmart Family Mobile. Our summer adventure got a whole lot better thanks to Walmart Family Mobile and your next trip can too! Now I have to ask, where will you head for your next summertime trip? Or do you have suggestions for essential back-to-school apps for the kids this coming academic year? I’d love to hear about them both below!

Disclaimer: All prices for phones and plans included in this post are accurate as of the date of posting; however, these prices are subject to change. Please refer to this page or your local Walmart for current pricing
Does not include tethering. Video typically streams at DVD quality. During congestion, the top 3% of users (>32GB/mo.) may notice reduced speeds due to deprioritization. Please always refer to the latest terms and conditions at myfamilymobile.com.
**Limited time offer. Available for lines active with the PLUS $49.88 plan only. VUDU enabled device and account required for digital viewing. Customers must be 18 years or older to open a VUDU account. Movie rental is only available in the USA. Free movie rental provided in the form of a movie rental code to the value of a $7.00 VUDU credit. Movie rental code allows for selection from available movies for rent. May not be readily redeemable on all new releases. Code will be delivered within up to 24 hours of the effective account renewal date. Must be used within 30 days of receiving code. Offer is non-transferable. Limit 1 per customer. Additional terms and conditions on VUDU’s website: http://www.vudu.com/termsofservice.html

9 Essential Back-to-School Apps for Kids

5 tips for perfecting your back-to-school morning routine

This post is sponsored by NESTLÉ® NESQUIK® but the content and opinions expressed here are my own.

Nesquik

With the official start to the back-to-school season just around the corner, I’ve been on the hunt for easy to make breakfast and weekday mornings before school goes as smoothly as possible. Especially in the first weeks of school. Because as a teacher’s wife, there’s a ton going on and eventually there will be hiccups in trying to get back into the school year groove at home. Which is why I’m sharing with you today my 5 tips for establishing a working BTS morning routine.

Tip 1: Create a set wake-up time each morning

My family gets up at 5 am each morning. We wake up at this super early time to ensure that we are able to get everything we need to be done each morning. From walking our dogs as a family to getting ready for school, our family needs a full two hours to be ready for our days. We also make sure that we are able to wake up refreshed each morning by keeping a working bedtime as well. Which for us is generally around 7 pm for the little ones and 9 pm for my husband and myself.

Tip 2: Prep breakfasts nightly

 

Nesquik

Better days start with wholesome nutritious breakfasts at home. So I make sure to stock-up on breakfast-ready foods at home, especially during the back-to-school rush each fall. I am currently loving the NEW NESTLÉ® NESQUIK® Super Breakfast. It is made with real milk and has the delicious taste of Nesquik that kids of all ages love.

What I love about NESQUIK® Super Breakfast:

  • Made with 100% real milk
  • No artificial sweeteners, flavors, or colors
  • With 12 g of protein – its a great source of protein
  • Contains no high fructose corn syrup
  • Is fortified with Vitamin A & D
  • Certified kosher
  • Contains bone-strengthening calcium

Nesquik

I like to pick up Nesquik® Super Breakfast when I’m at my local Walmart Neighborhood Market. You can find Nesquik® Super Breakfast in the juice or baking aisle. Overall I feel good serving this for breakfast as it helps to make sure my family is getting their daily servings of nutrients, and if we are running late, its a great on-the-go drink that can be consumed on-the-way to school!

Friends, you can try Nesquik® Super Breakfast with your family and save money using this ibotta offer.

Tip 3: Layout your clothes each evening

Each evening I lay out my families clothing. School uniforms for my husband and daughter, my workout and clothing for the day, and leashes and/or sweaters for our dogs, depending on the weather. It’s a quick step that helps me to make sure my family looks their best when going back to school.

Tip 4: Pack lunches each evening

Just like with breakfasts, I pack my family’s lunches each evening. One of my favorite ways to do this is by using small plug-in crockpots for my husband to take leftovers to school and bento box style lunches for the little one. This helps me stay within my weekly grocery budget, maintain zero-waste lunch options for my family, and to cut down on food waste at home. This is a step that only takes me a few minutes each evening after clearing away the dinner dishes and it helps me sleep better at night knowing my family we be well fed for lunch the following day.

Tip 5: Pack all bags the night before

One the best ways I stay on top of my morning back-to-school routine at home is to make sure my family’s bags are packed each evening at home. And by checking I mean, school folders are looked through, papers that need to be signed are signed, notices that require my attention are moved to our family corkboard, homework is finished, and graded paperwork my husband needs for school is neatly back in his messenger bags too!

I also make sure the electronics my family uses at school are properly charged each evening as well. All laptops, Chromebooks, power sticks, headphones, my husband’s phone, and drivers are charged and ready for the next school day. Subsequently, one of the first things I do each morning is to place those gadgets in their respective bags too!

Friends, those are my 5 tips for perfecting your back-to-school morning routine. Tips that help keep my family organized, on-time, and on-the-go during the back-to-school rush each fall. And to help keep you more organized at home, be sure to save or pin the tip sheet below. Also, be sure to check out the NEW NESTLÉ® NESQUIK® Super Breakfast at your local Walmart. It’ll help to keep you organized and nourished all season long!

Nesquik

Now I want to ask, what helps keep your early mornings running smoothly at home? Let me know your tips in the comments below!

Nesquik

Speed Up Your Debt-Free Journey with Ballast Associates

This post is sponsored by Diamond Bloggers. All opinions expressed are my own. Thank you.

 

 

When you start a family, you’ll be given different pieces of advice and indeed warnings. You’ll be told that kids keep you up all night which they do. That your personal time is seriously cut down which it is. How incredible it is to have children and to love someone more than you ever thought possible. What people won’t talk to you about is the cost of having a family. That information they’ll let you figure that one out all by yourself.

Have you seen people driving around in expensive sports cars and planning luxury vacations? You can feel fairly certain those people don’t have kids. Or, if they do they have discovered the best ways to make your finances work for you when you have a family. That’s what we’re going to explore today, and we’ll start by looking at the right way to manage your budget.

Setting Up Your Big Monthly Budget

Everyone should have some sort of budget that they stick to each month or year. It will help ensure that you don’t spend more than you should and that you are able to keep those costs under complete control.

With a budget, it’s also possible to make sure that you have money in savings and that’s important. Most young couples don’t even have a thousand in savings, and that means they have no money at all for unexpected costs such as the potential bills they might have to pay. So, how do you set up your family budget the right way?

Well, you need to think about all the money you make. Include everything in this sum such as side hustles and investments. We’re going to look at both these options a little further down. Now that you have your total you need to look at your outgoings.

If you’re not sure of this, take a peek at your monthly statements. Look for patterns to give you an idea of what typically leaves your account each month. This will include food bills, energy bills, gas for the car and the list goes on.

Once you have a substantial list subtract them all. Now, take a third of the total and mark that as savings. What you have left is roughly the amount you have to spend on luxuries, unexpected costs and little things for your kids. It should be a fairly substantial amount, and that probably makes you wonder where your money goes. You definitely don’t have that much left at the end of the month do you?

Stop Overspending

It’s so easy to overspend and let’s look at the food shop as an example. By looking at your statements, you should be able to see how much on average you spend on your food each month. You want to work to cut this down as much as possible, and it’s easy to do.

One of the best ways to reduce your monthly food shop is to not be a slave for brands. We all have our favorites brands, but when you take a good hard look, you’ll see they aren’t really special at all. Offering more or less the same and when you realize that you’ll be able to look for the cheapest one every time you shop. Then, you can think about looking at vouchers and coupons online.

There are plenty of sites online like Coupons.com that provide great deals for parents looking for cheap deals on products that they buy regularly or even every time they head to the superstore.

Of course, food shopping is just one of the areas that you might be overspending where costs can be easily adjustable. Another example would be your energy bills. If you have a home full of kids then you might find it’s difficult to keep the energy bills under control.

That’s particularly true when you think about the amount of technology that you are probably using on a regular basis in your home. If you have teenagers, it’s possible that there’s a TV in each room along with a games console or computer. How do you keep the electric costs down when we’re all this tech orientated?

Well, you should be checking out the tech you purchase carefully. All tech on the market today has energy ratings. If you want to keep your energy bills low, you just need to make sure you’re buying tech with the best ratings on the market. In no time at all, you’ll find your bills are reduced down to size.

You might also want to think about getting a smart meter. With a smart meter, you’ll be able to find out exactly what is costing you the most money. That way you can replace it or take more control over how much that device is being used. But be careful of false economy saves.

For instance, if the dryer is costing you more money, don’t stuff it with clothes for fewer cycles. Ultimately, this will just lead to you needing to put it on, again and again, to get clothes dry anyway.

Or, how about a side hustle. There are lots of choices here including working at home. When you look into these, you’ll find that the market is wide open and there are lots of available opportunities to help you make more money.

Debt Consolidation services with Ballast Associates

Sometimes the best way to better your family finances at home can be with debt consolidation services. Financial services strategies to help families with their finances by paying off one or more lines of credit in exchange for a loan that’s better suited to complement your financial goals.

Reasons to consolidate debt include allowing families to be able to more easily pay off your credit card balances with a personal loan could help you save on interest, increase your credit score and change your debt from revolving to installment debt, among other benefits. As revolving debt in the form of debt that many credit cards use. Most consumer credit cards are categorized as revolving credit, and the amount you use has a considerable effect on your utilization ratio and credit score. Using consolidation services, families can more quickly pay off these sums in order to better their financial situations at home.

Debt consolidation services, such as with Ballast Associates, can also help borrowers to more quickly be moving towards paying down installment debt, such as a mortgage, auto loan or student loan. By paying off your debt with a personal loan and moving your balance to a consolidated payment, families could see an increase in your score and the payment plan could help you get out of debt for good. Consolidation services can also help consumers to lower monthly payments and shorten payment terms as well. By moving all of your unsecured debt onto a personal loan, you’ll only have a single payment to make each month.

With this information in mind, you can apply for consolidation services and options you like, finishing the last steps of your process is simple: after you’ve applied for the loan you desire, just verify your info and sign your loan! Once your loan is signed, you can receive your money sometimes as soon as the same day.

If you think you meet the minimum qualifications and want to pay off your credit cards or other high-interest debt, you can get started and see your options, such as Ballast Associates consolidation services.

Friends, while family finances generally no picnic, utilizing the tips listed above can help make your finances easier to manage this season at home. And if you have any tips for bettering family finances yourself, feel free to leave those suggestions in the comments below.

5 Ways Plant-Based Eating Can Save You Money

Eating Plant-Based Can Save You Money

Recently a friend and I were discussing the rising cost of food. Particularly healthy foods. We both agreed you could spend a king’s ransom to eat healthy for yourself and your family each week compared to buying cheap fast food or pre-packaged junk food.

My friend’s option: People don’t eat well because they just can’t afford it.

Of course, my friend is neither plant-based nor vegan and her shopping list included items like coffee, chicken, eggs, juice, and deli meat. All items that are set to continue going up in price due to a variety of reasons. So for her, a fellow savvy saver, eating well is always a question of economy.

So, why you may ask, are meat and dairy products skyrocketing in cost? For a myriad of reasons including global supply problems, global warming issues including droughts in Brazil and California, diseases on U.S. pig farms, and concerns internationally about workers rights and fair trade efficacy.

While many of us have been hit harder than ever lately with increased grocery store sticker shock, those of you who are still meat-eaters will be the hardest hit.

So what’s a savvy-saver to do? Go plant-based.

Naturally, I used our conversation (with permission) to post a series of prompts and posts on my various social media channels. Including Vegan ideas for saving money at the grocery store.

And of course, I was met with replies like- “I don’t want to give up the flavor,” “My husband would never do it,” “I already buy ethical meats,” or “I need protein daily.” Comments I have grown very used to as a plant-based savings blogger.

To that end, I felt my overall point was being lost in translation. I was posting information not as a social criticism but as a means of commiserating with rising food costs and an alternative view to grocery budget savings at home.

Because according to the USDA, the average American will eat 222.2 pounds (100.8 kilos) of red meat and poultry this year. Couple this with the average price per pound for beef being upwards of $4.00 per pound in the states, this will set back the average American nearly $900.00 in meat costs per person, per year.

With higher costs and lesser quality meats and dairies typically offered in food desserts alone.

A large sum of money considering the number one reason most people say they cannot buy healthy foods is that they cannot afford to do so. When cutting back on high ticket food items, such as the before mentioned, could more than make up the funds needed to eat healthier than the Standard American Diet each day.

In fact, when my family and I first started our debt-free journey eight years ago. Meatless Mondays were a set staple in our weekly meal plans. They helped us save over $700.00 our first savings year alone. So I speak from my own personal experience.

Eating Plant-Based Can Save You Money

Keep in mind, I’m also a total foodie. Particularly food history. Specifically, American culinary traditions. I love nothing more than a gastronomic-rich view of meals of yesteryear. But I’m also a student of finance.

I know that foods, like electronics, will always burst your budget if you opt to only buy the latest and trendiest items. Including newer versions of foods like bacon, steak, milk, cheese, and eggs. Foods that have always had a history of being expensive. Always have and always will.

After all, it wasn’t until after World War II that most of the western world ate meat and dairy on a regular basis.

With sayings like Sunday Chicken Dinners, Easter Ham, and Christmas Roast, set as public reminders as to the precarious relationship between food costs and budgetary needs. Because those foods were pricey, they were purchased sporadically. Meats, in particular, were holiday investments in our familial cultural food heritage and not everyday food staples.

It wasn’t until the television advertising era of the 1950s that meat and dairy products became seen as common. Food everyone must have on weeknight dinner tables if they were to keep up with the Joneses.

In 1953 the invention of oven-heated tv dinner trays by C.A. Swanson & Sons, lead consumers to change their food consumption beliefs. With weeknight turkey dinners replacing Sunday meals.

During this era that weeknight dinners stopped being held around tables. Americans were trained to believe in the necessitation of daily consumption of meats and dairy consumption at home.

Farm-fresh meats, dairy, and produce staples were replaced with quick, processed, knock-offs of American culinary classics. Food that became served to us via trays consumed in front of the tube or shoved into our cars via bags and boxes at our favorite fast-food establishments.

Meals stopped being comprised of everyday moments and memories. No longer did we thank farmers for our nourishment and veterans for peaceable meals spent at home.

And whenever I hear people ask what happened to the nuclear family in America, I always say: Check your dinner plate.

It was also during this time, that meat production costs skyrocketed and continue to this day. Expenses that total upwards of 1/3 of the average consumer’s food budget in North America. Coupled with the price point of organic meat and dairy products costing upwards of $8.00 per pound. Costs that many families simply cannot afford.

Which is why I vehemently believe that for most people, going without meat and dairy products for 1-2 meals for a month can save you considerable dollars each month on your total grocery bill.

Not because of animal efficacy or because of your health, but because of your budget. You will be surprised at how much money you will save.

In an effort to help you along, here are my favorite tips for saving money by going plant-based at home:

Buy in bulk:

Getting familiar with the bulk food section at your grocery store can save you tons of money each season. There you will find staples and pantry items like rice, beans, oatmeal, lentils, and nutritional yeast at significant savings. What makes this so much better? You’re not paying for the packaging, you’re getting better quality food, you can see exactly what your buying, and doing a solid for the Earth too!

Bulk items, like beans and rice, can help you transform everyday meals like red beans and rice to new levels by substituting meats and oil for better quality beans, rice, and exotic spices. Consider making these meals ahead of time to save time too. Because what pot meal doesn’t taste better the second time around!

Then with the money, you’ll save on meats and dairy, reinvest some of those funds back into a good set of countertop canister or a vintage set of mason jars. Then, in-store, fill these bad boys up. And if your favorite store doesn’t have a bulk section? Try Wal-Mart. While Walley-World may not have a bulk section but they do have insanely cheap 5 lbs bags of everyday staples like rice, quinoa, lentils, and beans.

Competitive shopping:

Remember, when it comes to plant-based eating, not every meal has to be organic or gourmet. Not every item needs to be purchased from Whole Foods. You can find many ingredients to making easy, healthy meals at local grocery chains and larger chains such as Wal-Mart. All for a fraction of the price of fancy organic markets.

Including items such as frozen veggies, canned tomatoes, beans, bags of rice, and spices. Not to mention the produce section where you can find organic potatoes, onions, garlic, and a variety of fresh fruit at much lower price points.

Speaking of produce, remember this phrase: Poorganics. That’s right. Buy produce based on your current budget. If you can only afford healthily, bagged apples and not organic singles. Buy those. Maintain your budget. You’re aiming to buy real food that’s you know, not processed! As plant-based shopping helps you buy better, cheaper produce and create cheaper, healthier meals!

Simplify your meals: 

Maybe it’s me, but many of my meals now are all cooked in a single pot. Boil some pasta, add a bag of frozen veggies, and throw in some sauce. Dinner is served. And if I’m using my Instapot, it’s even quicker. For me, plant-based dinner helps me eat better in a fraction of the time.

The best part? Nearly any family favorite can easily be adapted to be served over rice or noodles and the meat substituted for mushrooms, zucchini, butternut squash, lentils, or tofu. The possibilities are endless.

Seriously, you need Instapot dinners. They will change your life!

Grow your green thumb: 

I don’t know about your neck of the woods – but here in the deep south plants grow pretty easily. And growing your own food is one of the best ways to save money on food cost in the warmer parts of the year.

Considering that a packet of seeds is inexpensive, topsoil and compost are both affordable, and raised beds can be created from heat-treated palettes. The costs of produce production will always be cheaper compared to how much commonly consumed produce is priced in-stores. Including lettuce, peas, and tomatoes.

Root veggies such as potatoes and sweet potatoes can even be grown from the sprouts of produce you may already have on hand. A little wire mesh turned into a cage with shredded fall leaves and dirt, and voila, you have a tower of taters!

Growing your own produce will also help you commune with the Earth. It’s a great way to save money and grow your green thumb too! Cultivate your inner farmer!

Learn to love cooking again:

Cooking, the 4 letter word no one wants to hear. But if you really want to save money you are going to have to learn to cook. And love doing so.

Maybe you slept through home economics or no one taught you. It doesn’t matter. Just start.

Pinterest is your friend. As are your neighbors, co-workers, and online friends. Everyone loves to share family recipes and cooking tips. Just ask!

Those are my 5 tips for why and how plant-based eating can help you save money at home. While I recognize that this dietary choice may not be for everyone, I do hope you would give it a try for a few weeks and see if it could help you save at home too.

Now, do you have your own tips or saving at the store on healthy foods? I would love to hear them. Be sure and comment below and let’s show those non-believers that we can eat healthily inexpensively too in 2018!

Eating Plant-Based Can Save You Money

Quicken Your Debt-Free Journey With Interstate Associates

 

When you start a family, you’ll be given different pieces of advice and indeed warnings. You’ll be told that kids keep you up all night which they do. That your personal time is seriously cut down which it is. How incredible it is to have children and to love someone more than you ever thought possible. What people won’t talk to you about is the cost of having a family. That information they’ll let you figure that one out all by yourself.

Have you seen people driving around in expensive sports cars and planning luxury vacations? You can feel fairly certain those people don’t have kids. Or, if they do they have discovered the best ways to make your finances work for you when you have a family. That’s what we’re going to explore today, and we’ll start by looking at the right way to manage your budget.

Setting Up Your Big Monthly Budget

Everyone should have some sort of budget that they stick to each month or year. It will help ensure that you don’t spend more than you should and that you are able to keep those costs under complete control.

With a budget, it’s also possible to make sure that you have money in savings and that’s important. Most young couples don’t even have a thousand in savings, and that means they have no money at all for unexpected costs such as the potential bills they might have to pay. So, how do you set up your family budget the right way?

Well, you need to think about all the money you make. Include everything in this sum such as side hustles and investments. We’re going to look at both these options a little further down. Now that you have your total you need to look at your outgoings.

If you’re not sure of this, take a peek at your monthly statements. Look for patterns to give you an idea of what typically leaves your account each month. This will include food bills, energy bills, gas for the car and the list goes on.

Once you have a substantial list subtract them all. Now, take a third of the total and mark that as savings. What you have left is roughly the amount you have to spend on luxuries, unexpected costs and little things for your kids. It should be a fairly substantial amount, and that probably makes you wonder where your money goes. You definitely don’t have that much left at the end of the month do you?

Stop Overspending

It’s so easy to overspend and let’s look at the food shop as an example. By looking at your statements, you should be able to see how much on average you spend on your food each month. You want to work to cut this down as much as possible, and it’s easy to do.

One of the best ways to reduce your monthly food shop is to not be a slave for brands. We all have our favorites brands, but when you take a good hard look, you’ll see they aren’t really special at all. Offering more or less the same and when you realize that you’ll be able to look for the cheapest one every time you shop. Then, you can think about looking at vouchers and coupons online.

There are plenty of sites online like Coupons.com that provide great deals for parents looking for cheap deals on products that they buy regularly or even every time they head to the superstore.

Of course, food shopping is just one of the areas that you might be overspending where costs can be easily adjustable. Another example would be your energy bills. If you have a home full of kids then you might find it’s difficult to keep the energy bills under control.

That’s particularly true when you think about the amount of technology that you are probably using on a regular basis in your home. If you have teenagers, it’s possible that there’s a TV in each room along with a games console or computer. How do you keep the electric costs down when we’re all this tech orientated?

Well, you should be checking out the tech you purchase carefully. All tech on the market today has energy ratings. If you want to keep your energy bills low, you just need to make sure you’re buying tech with the best ratings on the market. In no time at all, you’ll find your bills are reduced down to size.

You might also want to think about getting a smart meter. With a smart meter, you’ll be able to find out exactly what is costing you the most money. That way you can replace it or take more control over how much that device is being used. But be careful of false economy saves.

For instance, if the dryer is costing you more money, don’t stuff it with clothes for fewer cycles. Ultimately, this will just lead to you needing to put it on, again and again, to get clothes dry anyway.

Kill Fixed Costs

What about the costs in your budget that are fixed? Are there ways to reduce these such as car insurance or even medical plans? Both will be essential for a family to guarantee that you have the resources needed to protect and take care of your children. The answer is that you can reduce these costs.

All you need to do is use price comparison sites. This will help you find the best deal each time you get the chance to renew these plans. For instance, you can use Gomedigap for more info on the best Medicare insurance companies to guarantee that you do get the greatest deal for your money every time. It’s important that you look at this coverage carefully to get the best savings and everything you need for your family.

Boost Your Budget

If when you look at your total that you have to spend at the end of the month, it’s less than you’d like there are ways to boost your earnings. Investments are a smart choice here, and the basic option would be a savers account that provides a high level of interest. That way a little money will be added without you even needing to try. You can look at the best savings accounts on NerdWallet.com.

Or, how about a side hustle. There are lots of choices here including working at home. When you look into these, you’ll find that the market is wide open and there are lots of available opportunities to help you make more money.

Debt Consolidation services with Interstate Associates

Sometimes the best way to better your family finances at home can be with debt consolidation services. Financial services strategies to help families with their finances by paying off one or more lines of credit in exchange for a loan that’s better suited to complement your financial goals.

Reasons to consolidate debt include allowing families to be able to more easily pay off your credit card balances with a personal loan could help you save on interest, increase your credit score and change your debt from revolving to installment debt, among other benefits. As revolving debt in the form of debt that many credit cards use. Most consumer credit cards are categorized as revolving credit, and the amount you use has a considerable effect on your utilization ratio and credit score. Using consolidation services, families can more quickly pay off these sums in order to better their financial situations at home.

Debt consolidation services can also help borrowers to more quickly pay down installment debt, such as a mortgage, auto loan or student loan. By paying off your debt with a personal loan and moving your balance to a consolidated payment, families could see an increase in your score and the payment plan could help you get out of debt for good. Consolidation services can also help consumers to lower monthly payments and shorten payment terms as well. By moving all of your unsecured debt onto a personal loan, you’ll only have a single payment to make each month.

Although consolidating debt isn’t the right option for everyone and all situations, it could significantly improve your finances when it does make sense. Get started by doing your research. find out with consolidation services you may qualify for.

In order to see if your family qualifies for consolidation services, be sure to have information on-hand including the balances and rates on your credit cards so you can compare your current rates to your new options. You should also check your current debt interest rates and decide how much you want to consolidate. You don’t have to consolidate all of your cards for the convenience of a single payment. However, if all of your cards have a higher rate than your new offers, you may be able to save by combining them all. When choosing your amount, remember to check the origination fee on your loan.

With this information in mind, you can apply for consolidation services and options you like, finishing the last steps of your process is simple: after you’ve applied for the loan you desire, just verify your info and sign your loan! Once your loan is signed, you can receive your money sometimes as soon as the same day.

If you think you meet the minimum qualifications and want to pay off your credit cards or other high-interest debt, you can get started and see your options, such as Interstate Associates consolidation services.

Friends, while family finances generally no picnic, utilizing the tips listed above can help make your finances easier to manage this season at home. And if you have any tips for bettering family finances yourself, feel free to leave those suggestions in the comments below.

Why I became a vegan

 

My feelings of weariness towards animal products have occurred my whole life. Ever since I was little, I remember struggling with this internal conflict.

I remember attending the winter birthday party of a young schoolmate wearing the rabbit fur coat I received for Christmas a few months before. Only to witness the unveiling of my friend’s birthday gift, a new pet rabbit. Within moments of touching the rabbit, who would come to be known as Hops, I felt a pang of anxiety that I had never known before.

The moment I realized I was wearing my very own little Hops too! It was a pain that haunts me to this day.

But like most children, we quickly learn coping strategies to help us get by. Especially those who live in a non-plant-based home.

Because in our home, meat was king. Family dinners and gatherings always included meat. The meat was the main staple. The reason others came for the meal. From Sunday roasts to Chicken potluck meals, meat-centered meals brought people together. The meat was the lynchpin of every gathering. It was cultural. Which explains why over time I cultivated a belief that dinner had to include meat in order to feel satisfied.

I also didn’t grow up knowing any vegetarians. My grandmother loved meats of all kinds. Particularly meat in tube form. She was nothing short of a connoisseur of expensive sausages and cold cuts. The woman knew her way around the butcher shop. From finding just the right cut of brisket to knowing exactly how thin her corned beef and capicola should be cut, she treated the purchasing of meat like the sculpting of fine marble. With love and precision.

And her brother, my uncle, drank cow’s milk with dinner every night. Because milk had calcium. Because it was what you are supposed to drink in order to grow big and strong, right?

My parents believed what most parents are led to believe. Although cow’s milk is intended for baby cows, its great for kids and infants too. Weird to say, but the concept just makes sense.

The word vegan was also never a term I heard growing up. In fact, this term wasn’t part of my regular vernacular until I took an ecology elective’s class my sophomore year in college, Animal Ethics. I chose this class not realizing the sadness it would entail, and the emotions it would stir up. For which, I am grateful. Because this obscure night class that started my mental ball rolling on not just animal rights but issues delving into non-consumerism and ecological advocacy too.

But despite all this newfound college knowledge, I consumed meats. Tons of them. I somehow allowed myself to believe that being a consumer of meats and animal products while being a fuzzy parent, was okay. It was just part of the hypocritical compartmentalization I allowed myself to believe.

Afterall, I was an adult. A married adult. A woman whose husband and family also loved meat too. A woman who owned a cat, who consumed meats. So if my family wants it at dinner and my pets need it in their diet, it was okay, right?

Then came the night a few months ago when it all clicked for me. After a nasty bought of food poisoning caused by eating hotdogs at a local bulk shopping chain, the ideas came crashing together. Meat consumption was killing me.

For a long time, I knew I needed to lose weight. To be healthier. Like 100 pounds healthier. But for a long, long time I loved my processed pizza bites more. But in that moment of having my head hanging over a toilet seat in the twilight hours of the morning, after falling asleep in my bathroom, while throwing up for hours on end, I knew my road with meat was coming to a crashing end.

Then came the sobbing. Thinking about what our world has come to. Feeling disgusted with society. Disgusted with myself as well, that I had been so ignorant and oblivious to what was happening behind slaughterhouse walls and behind big corporations. That the big name meat and dairy brands are powerful, full of lies, are guided and funded by deep-pocket lobbyists and super packs. Each seeking to convey to the masses that consuming beings that had once flourished with a life of its own was more than okay.

The worst part? The marketing and labeling. That I allowed myself to believe that there are happy cows and even happier chickens roaming the world ready to self-sacrifice for my Sunday best meal.

When in reality, there are no happy cows or free-range chickens. That cage-free doesn’t mean what we think it means. That we don’t know any better because we are swarmed daily with happy dairy ads, commercials, and marketing schemes. That factory farming is very much existent, including backyard homesteaders and farmers too!

Not to mention all the hormones and antibiotics pumped into the animals to keep them from getting sick, to speed up the growth process, and to advance the bottom line of every dollar generated by processing centers throughout this nation. Food that has become so processed and nutrient-lacking, we are becoming sicker by the bite. Labels such as “got milk?”, are more properly posed as “got cancer, heart disease, and stroke?”

But this mess isn’t all our fault. Or completely of our own making. It’s just what we have been told to believe. The reality of the situation is that we don’t need animal products to thrive. Animal protein consumption is causing disease left and right due and plant-based eating can resolve numerous ailments in millions of people. Including me. From my acid-reflux to PCOS to my MTHFR gene mutation, the eliminating of meats and dairy products from my life can help elevate and irradicate these symptoms.

Because there are no healthy meats. Because there are no ethical animal farming methods. Because we can all sustain our bodies without the exploitation, mutilation, and degradation of other living, breathing creatures. There is a great deal of hope in that message!

So how has my journey of living a plant-based life been? I’m happy to say, four months into my plant-based journey, these results are true. While I’m not cured, my blood pressure is lowered, I’ve lost an additional 16 pounds, my acid reflux is all but non-existent, and my energy levels are higher than ever before!

Because of all this, all that I’ve mentioned, my life will never be the same.

Since that night of sitting on my toilet for six-plus hours in agonizing pain, I have not eaten any animal products whatsoever. I made the connection that a plant-based lifestyle is what my body needs in order to thrive. This realization was pretty empowering.

Then there was the issue of my husband. The poor guy who had no idea what emotional blindside he was coming home to the next day.

He walked in the door to a ready-to-galvanize-the-world wife. He asked for a cold Dr. Pepper before my rant commenced. For which, he kindly nodded and obliged my newfound views. He figured it was just a phase. He was wrong. Because I’m happy to report, he has come around and is also now eating a plant-based diet as well.

Though he is a vegetarian, and not a vegan, its a start. An awesome start. Of which, I am beyond proudly and hold have a great deal of respect. For his willingness to listen. To find his own journey to change. He also helps us advocate these changes to the rest of our family as well. He and I both know now that this was no phase, this was a major life change. Plant-based whole foods are the only way out family’s diet will ever truly thrive! And we’re ready to take this journey as far as it can go!

We no longer purchase meat products. I no longer consume dairy products and my family member’s who do drink milk have switched to organic varieties. Our family also has limited our processed food consumption greatly too. The three of us have done amazing as a result!

Our pets have made the change as well. My dogs, though natural carnivores have adapted well to a plant-based kibble and organic grain-free pet treats. Our beta eats a plant-based flake brand of fish food, and our cats, who still consume meat-based foods because its what is ideal for their health and nutrition, now eat a better quality organic food. By eating a better quality food actually eat less food overall. Which means that fewer meat products are consumed in our homes, even by natural carnivores.

This was also just the beginning of my vegan advocacy journey too! This past season, I’ve watched numerous other documentaries, read books, articles and immersed myself in learning everything about plant-based nutrition. I’ve become a nutrition junkie, wellness addict, health guru, and plant-based advocate.

I’m also realistic. I recognize that for many, living a vegan lifestyle is a major turnoff. That the plant-based lifestyle can come off as having an heir of expensive, exclusivity, and entitlement associated with it and the people who ascribe to the lifestyle. I hope to help dispell that myth. There are tons of vegans and plant-based folks of all backgrounds, ethnicities, genders, socio-economic levels, religious, and cultural backgrounds. My perspective is just one of the millions!

Which is why I have committed myself to changing how I blog on this platform.  New meal plans, printables, and food hauls will reflect my plant-based lifestyle. I want to use The Lady Prefers 2 Save as a place of positivity and to shed light on this heated yet growing topic. To spread awareness and inspiration. To create deliciously vibrant recipes. And most importantly, offer encouragement to others.

Going vegan doesn’t have to be scary or difficult. It’s actually the most budget-friendly food plan I’ve ever been on. It’s simple. It’s delicious. It’s real. It’s not processed. It’s whole foods from nature. It’s what we are meant to be enjoying on the daily! It’s also helped me to lower my grocery bills and add in more organic produce too!

Now I know what some of you are thinking. You don’t want to picture the process of how your food gets to your plate – I get it.

Most people would just want to enjoy their cheeseburgers and milkshakes. Humans stick to what they know and don’t want to go through the extra trouble. But as we all know, true growth starts when we step outside our comfort zones each and every day.

Veganism may seem new and unfamiliar, that’s all – but it’s just like anything else. It’s not about deprivation, dieting or counting calories. It’s about adding in foods your body will love and will recognize as actual food that it can use. Real, whole foods found in nature. No more, no less.

This lifestyle has impacted my life in so many ways! After feeling so healthy and alive, I could never go back to animal products. The biggest benefit for me was the feeling that my clothes fit better than ever as well as clear, glowing skin with a healthy tone that I’ve never had before. My skin is no longer dull. I don’t have to wear as much makeup as I used to. Energy has been another major plus. I feel stronger. So for me, strong is the new sexy!

I want everyone to experience these positive changes. My mindset is more positive. I believe that’s because I am no longer consuming foods that are filled with anxiety, fear, and pain. Following my intuition is my driving force, and my intuition is crystal clear. For the most part, I feel well and energized every single day. Except Monday’s. But, yeah. Even veganism can’t fix that dichotomy.

Whether you want to take baby steps and incorporate more vegetables into your daily life or go full throttle as I did, that is up to you. There is no right way to transition. There’s also no judgment from me in your life choices. Ever.

Though I do think you would live a healthier life is you started incorporating non-dairy milk, more fresh vegetables, fresh fruit and grains like oats and quinoa into your diet, while slowly eliminating the animal products. But still, no judgment. Remember, it’s a journey and a learning process. So if you would like more reasons to take the plant-based plunge, here are 5 tips to help get you started.

1) Try new recipes: Look online for new vegan recipes! Check out Meatless Monday options too! Check out vegan cookbooks from your local library or free ebooks online. Remember to stick with real, whole foods and stay away from processed meat substitutes and frozen dinners. Just because it’s vegan doesn’t automatically mean it’s good for you. With the exception of Oreo’s. Which are vegan. And needed. Remember, Mondays are coming!

2) Consider your proteins: As a vegan, you can get more than enough plant protein from foods like quinoa, tempeh, organic tofu, lentils, black beans, chickpeas, hemp seeds, almonds, pumpkin seeds, kale, spinach, broccoli, peas, oats, potatoes, sunflower seeds, and edamame to name a few. I use the Cronometer app to measure all my nutrient levels to make sure I get enough essential vitamins, minerals, proteins each day. I also take B12, vitex, and kelp supplements each day.

3) Start slowly: Every fruit and vegetable offers different vitamins and nutrients for your body. Try them all at least once. Replace dairy milk with almond milk, soy milk, coconut milk, hemp milk, cashew milk, or hazelnut milk. That’s an easy, delish swap. Make just one healthy choice a day. The changes in your life will be immense!

4) Educate yourself: Read books, articles, and documentaries. A few of my favorite documentaries are Rotten, Forks Over Knives, Earthlings, Vegucated and Food Inc. – all on Netflix. Find out why you personally want to incorporate more plant foods. You are likely to stick with this healthier lifestyle if you have a driving force.

5) Allow your body the time it needs to detox:  The detox process can take several weeks, months, even years. So be kind, patient, and nurturing to your body. Eventually, you will benefit from this lifestyle. You may feel kinda crappy sometimes, too! That is your body trying to flush out years of built-up toxins and chemicals from animal products. It’s truly a good thing! Self-care is key!

Small changes in your life can make a difference. I promise. Stepping out of your comfort zone is liberating. It opens new doors. It adds life to your years.I can’t tell you how much positivity this lifestyle has brought me. I wake up eager to work on this blog every day and connect with all of you. Becoming vegan has taken my health to the next level and was hands down the best decision I have ever made.

As mentioned above, I will be including new plant-based menu options and recipes on this blog and printables as well. And if you have any questions please leave me a comment, or send me an email at nicole@theladyprefers2save.com. I would love to hear your thoughts and personal stories. Your health is all you have at the end of the day. Take control of it. Today!

 

5 Ways To Cut The Cost Of Pregnancy

There’s nothing more wonderful than finding out that you’re pregnant. The warm feeling that comes with knowing that you’re going to bring a life into the world. Yet, as wonderful as this feeling is, most of us also experience a little trepidation. Maybe even outright fear. Especially if this is your first pregnancy. You may wonder if you’re ready to be a Mom, emotionally, psychologically and (of course) monetarily. Of course, any parent will tell you that you’re never ready, not really. And while bringing a child into the world often means expense, it does not mean that you have to spend a fortune. 

(Photo Source)

Pregnancy gives you 9 months to prepare not just for childbirth but for parenthood. That gives you a lot of time (although still less than you might think) to get your home and your mind ready to bring a child into your life. It also gives you a great deal of time to find ways to reduce the cost of pregnancy and those early days of motherhood. The thrifty and enterprising Mom-to-be has a plethora of ways in which she can use this time to make substantial savings…

Find a side hustle

You’ll be on maternity leave after your baby’s born… But that doesn’t necessarily mean that you have to scrape by on nothing more than maternity pay. Once you’ve found your rhythm as a parent and established a daily schedule to look after your baby you may be able to make a little extra money in your downtime with a side hustle. A side hustle shouldn’t necessarily be more work. It should be a way to make money while using your skills and doing things that you enjoy. This could be something as simple as walking the neighbor’s dogs or babysitting the kids of other Moms in your social circle. Or it could mean starting a brand new job from home that capitalizes on your skills and passions. Here are a few full-time jobs you can do from home that might serve as inspiration for you. 

Find a better savings account and pay into it

It’s okay to admit it. We could all do more when it comes to setting aside some money in our savings. While many of us have a savings account, these can only work for us when we actually pay into them regularly. It doesn’t have to be a lot. It doesn’t even have to be 10% of your paycheck. But paying something in every month will provide a valuable safety net for your finances. Oh, and if you’re still using your old savings account from your high street bank, you desperately need an upgrade. Find an online bank as these can usually offer you better rates of interest (since they have fewer overheads they can pass the savings onto you). Here are some of the best savings accounts of 2019

Take steps to reduce hospital bills

Unless you’re lucky enough to live in a country where healthcare is free, having a baby inevitably means expense. Still, that doesn’t mean that you have to surrender yourself to being ripped off. Even little things like going through your insurance coverage with a fine-toothed comb so that you know what is and isn’t covered can save you considerable expense. It’s also worth learning how to time contractions. The last thing you need is to have to pay for an ambulance to take you to hospital for your Braxton Hicks. It’s also worth finding out what your local birthing charges are. These can vary wildly from hospital to hospital even between hospitals in the same city.

Don’t have insurance? That may not necessarily be a problem. Your hospital may be willing to give you discounted rates or charge you as a charity case.

Buy used and borrow

As tempting as it may be to go all out on your new baby’s clothes, this is an urge you should rein in as much as possible. After all, you know that the baby won’t be wearing them for long. Buying used clothes can save you an absolute fortune. eBay, charity stores and even dedicated online shops are an absolute treasure trove of cute, virtually new baby clothing at a fraction of the price that you’d pay in stores. And don’t forget your most precious resource… Other Moms. Any of your friends who’ve had kids recently will likely be more than happy to help you out by sending some of their kid’s old clothes your way. 

The same goes for strollers, buggies and even toys. You can even apply the same principle for your maternity clothes, too. Many new Moms are quick to get rid of maternity clothes they won’t be needing anymore, putting them up for sale online, taking them to the local charity store, selling them in yard sales or simply giving them away to friends.

Speaking of nice ways in which your friends can help you…

(Photo Source)

Did somebody say “baby shower”?

A baby shower is not only a great way to keep in touch with friends old and new, but it can also be a wonderful source of cute free stuff that will help you to hit the proverbial ground running when your baby is born. While it may not be appropriate to outright ask friends or family for a baby shower, never underestimate the awesome power of… Dropping hints. 

Mentioning to your friends that you’re having a little trouble making ends meet or hinting to your Mom that you’re struggling to find an affordable stroller might be enough to get the party started. If someone close to you tells you that you’re planning a baby shower, by all means, give them a wish list. This will help you to avoid the risk of duplicate gifts and allow each of your guests to choose a gift that’s within their budget.

With patience, tenacity and a little know how anyone can cut the cost of pregnancy and feather their nests for motherhood. Try a few of these strategies and you’ll be able to enjoy the wonderful perks of life as a new parent, without being plagued by money worries.