Hello, savvy savers! With Spring but a few short months away, I wanted to start blogging about my upcoming garden! I know that many people are on the lookout for cheap, economical ways to eat organic, fresh produce on a dime, and I am as well. This year, I will be gardening myself, canning, and living off of what I can grow; I hope to accomplish this using simple, time-tested natural gardening methods! In addition to this, I will be keeping a running tally of all my gardening costs and expenses, so that you at home can see what growing yourself might cost, compared to buying in-store produce! So, I thank you all for starting this journey with me!
So, my first post will be about the basics, and my basics, I mean just that, the basics.
Step 1: Plan what you will grow. Sit down and plan what you would like to eat; while doing this consider how much space, time, availability of materials you will have at your disposal, will you have help in gardening, and what you will do with the produce once you have it.
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I’ve made my list, which I will post later this week.
Step 2: Purchase a Farmer’s Almanac, and look at your growing zone and see when you will need to plant.
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I purchased my almanac at my local Dollar Tree for $0.50!
Step 3: Seeds. This past week, I spend several hours researching seeds, seed cost, seed quality, and seed availability in my area. I spoke to friends and family who all suggested that heirloom seeds, although expensive, were the way to go. After researching this idea, I decided on another method. I stopped by my local dollar Tree and purchased both my vegetable seeds, as well as my flower seeds; I purchased both the both shade and flower bed mixes as well as packets for my veggies and flowers!
For $15.00, I was able to buy 48 packets of flowers and veggies, all at $0.25 a packet, and then three boxes of seed mixes for flower beds and around trees. As seeds range in price from $1-6.00 a packet at Walmart, this is a steal in my opinion! Add to this, of the 48 packets purchased, I was able to buy ten different herbs including Sage, Oregano, Lavender, Parsley, and Thyme! I am supper excited about this purchase. As well, I would encourage those wanting to plant to buy seeds at the Dollar Tree early as my local manager said that many stores were sold out by March last year!
Keep in mind, I was not able to buy certain starters such as berries, vines, potatoes, garlic, and onion sprouts yet, I am working on a cheap fix for this as well, and will be blogging on this topic in the weeks to come!
In the meanwhile, I am fifteen dollars into my garden, and feeling very satisfied!
Until later, I’ll be tilling around gardening ideas in my head!
Let’s face it, bad debt is something that nobody ever wants to get themselves into. You don’t have to be stuck with this bad fortune forever! So, let’s roll up our sleeves and chart a path to send it packing while paving your road to financial freedom. Here’s how you can kickstart your comeback.
First things first: what’s the damage? Pull out all your bills and get them in a line—how much, who’s it for, and what’s the interest rate? Seeing everything you owe on one list can be a game-changer. This might sound like a big step, but a credit corp solutions company can offer ways to consolidate your debts into one manageable payment. Imagine swapping several high-interest payments for a single one with a lower rate. More manageable, right? It’s like decluttering your financial closet, and who doesn’t enjoy a good cleanout?
Create A Sustainable Budget
Oh, the dreaded B-word—budget. But trust me, it doesn’t have to be scary. Start tracking where every dollar goes, and I mean everyone. You’ll soon see where you can cut back—a little less dining out, maybe? And boom! You’ve got extra cash to squash that debt. It’s all about making your money work for you, not the other way around. Apps today can do most of the heavy lifting, categorizing your spending in a snap. Pretty handy, right? Think of it as having a financial GPS guiding you through the spending jungle.
Boost Your Income
If trimming your expenses isn’t cutting it, let’s think bigger. Need more cash? Let’s brainstorm. Maybe it’s time to ask for that raise, start a side hustle, or turn a hobby into cash. Every extra penny can be a soldier in your battle against debt. And who knows? That side hustle could turn into your main hustle before you know it! Plus, extra income streams can become new avenues for saving once your debts are cleared.
Focus On High-Interest Debts First
Here’s a nifty trick: tackle the debts with the nastiest interest rates first. Keep up with minimum payments on the others, sure, but hit the high-interest ones hard. This method will be your debt-killing superpower. It stops those big bad debts from growing any bigger, and you’ll save a ton on interest in the long run. Who doesn’t love saving money? By reducing the costliest debts, you’ll feel a significant lift off your financial shoulders.
Monitor And Build Your Credit Score
As you’re paying down those debts, don’t forget to keep an eye on your credit score. Timely payments? Check. Lower balances? Check. All these moves are giving your credit score a nice little boost. Checking your credit report regularly for errors is also a must—think of it as keeping your financial report card in tip-top shape. Services that monitor your credit can alert you to mistakes or fraud, pretty much giving you peace of mind.
Conclusion
So, as you can see, this is a plan to not only ditch debt but to lay a solid foundation for a future where you’re in charge of your money. It’s a journey, sure, but every step forward is a step out of debt and into financial freedom. Stick with these strategies, and you’ll build habits that not only get you out of debt but also help you stay out.
So, you’re a stay-at-home mom thinking about getting a divorce? That’s a huge step! We’re here to walk you through this, not just with the dry facts, but with that friend-next-door chat. It’s about understanding what’s ahead, getting back on your feet, and maybe even cracking a smile or two along the way. We promise to keep it real and maybe share a laugh (or a tear) because, let’s face it, life is too short for anything less. Plus, you’re not alone in this; many have walked this path before and found brighter days on the other side.
Alright, the first thing you’ve gotta do? Find yourself a sharp lawyer who knows all about family law. They’ll make the big legal words sound less scary and help you figure out your rights. Did you know the right attorney can make sure you’re all set to protect your assets in a divorce? Yep, they’ll help you keep what’s yours and get you through the legal hoops with your head held high. Finding an attorney who meshes well with your personality and understands your specific needs will make all the difference. They are your first line of defense and an invaluable guide through the twists and turns of legal proceedings.
Money Talks
Now, let’s talk about cash. It’s time to sit down with all those bank statements, property deeds, and investment accounts. Knowing what’s financially is key—not just for the legal side of things, but for your peace of mind, too. Set up a budget that reflects your new single status and maybe even squirrel away a little emergency fund. It’s like giving the future you a high-five. This fund will keep you steady if the waters get rough, and it’s always smart to have a little extra for those unexpected hiccups along the way. Money might not buy happiness, but it sure does buy peace of mind during turbulent times.
Back to the Grind
Getting a job might feel like you’re trying to learn how to ride a bike again, but trust me, you’ve got this! Spruce up that resume with all the incredible skills you’ve mastered as a mom. Organizational ninja? Check. Budget boss? Double check. And networking—don’t forget to reconnect with old colleagues or hit up new LinkedIn connections. There’s a whole world out there looking for someone just like you. Tailor your job search to positions that value your unique skills and offer the flexibility you need as a mom. Remember, every job interview is just a conversation, not an interrogation.
You’re Amazing—Remember That!
If the divorce has got you feeling down, it’s time to lift yourself. Throw on some sneakers and hit the gym, or get lost in a book or hobby you love. These moments do wonders for your self-esteem, and hey, they’re fun, too. Remember, taking care of your mind and body isn’t just good for you—it’s good for your kids, too. Self-care is not selfish; it’s essential. When you’re feeling good, you’re a better mom, friend, and all-around human.
Support Squad
Going through a divorce feels a lot less lonely when you have people to talk to. Whether it’s friends who’ve been there or a professional counselor, don’t shy away from sharing your feelings. And think about joining a support group. Meeting people who are riding the same emotional rollercoaster can be really reassuring. It’s okay to lean on others and share your journey. You might be surprised how sharing your story can inspire and comfort others in similar shoes.
Kids in the Mix
If you’ve got little ones, figuring out the best setup for custody is super important. Chat with your lawyer about what you want and how to make it happen with as little upset to the kiddos as possible. Keeping their lives stable is a big win during all the changes. The right custody arrangement can make all the difference in how your children cope with the transition. Focus on creating a routine that feels secure and loving for them, no matter the changes.
Mediation vs. Court: What’s Your Style?
If you can settle things through mediation, it’s usually less harsh than going to court. You’ll sit down, talk it out, and try to agree on the big stuff with your soon-to-be ex. But if things get tough and you find yourself heading to court, stay calm. Your lawyer will prepare you for what to expect. Always aim for mediation if you can—it tends to preserve a bit of the relationship and certainly saves time and stress. However, be prepared to stand your ground in court if needed.
New Beginnings
Think of this whole divorce thing as a chance for a fresh start. It’s about more than just endings—it’s about new opportunities and the exciting road ahead. You’re not just surviving; you’re ready to thrive! Every challenge brings a chance to grow, and this is no exception. So, embrace the uncertainty and get ready for a new adventure—it might just be the best yet!
Charting Your Course Through Emotional Waters
Diving into the emotional aspects of divorce is like setting sail on a vast ocean of feelings—sometimes calm, often stormy. You’re the captain now, and it’s crucial to navigate these waters with care. Acknowledge your feelings, the good, the bad, and the ugly—it’s all part of the healing process. Permit yourself to grieve the loss of what was while also looking forward to the horizon. Remember, every storm eventually runs out of rain. Keep an emotional journal or blog to document this journey; it can be incredibly therapeutic to express yourself and track your progress. By accepting what you are going through and feeling all of the feelings you’re also setting a good example for your kids to be emotionally vulnerable, a lesson that will stay with them forever.
Rediscovering Yourself
This might be the perfect time to rediscover who you are beyond your roles as a spouse and mother. What were your passions before you put them on the back burner? Maybe it’s painting, writing, or perhaps a sport you used to love. Rekindle those old flames or ignite new ones. Enroll in a class, join a local club, or set aside time each week to explore your interests. This isn’t just about distraction—it’s about reconnecting with your essence and igniting sparks of joy that make life feel vibrant and exciting again.
Looking ahead, it’s time to lay down the foundations for your long-term success and stability. Start by setting goals, both big and small. Maybe it’s career-oriented goals, educational aspirations, or personal milestones like traveling to a place you’ve always wanted to visit. Break these goals down into achievable steps and start tackling them one by one. A clear plan gives you direction and a sense of purpose, making the post-divorce phase not only manageable but enjoyable. Embrace this time to build a future that excites you, filled with dreams tailored just for you.
Wrapping It Up
Navigating a divorce as a stay-at-home mom is no small feat, but you’re tougher than you think. With the right legal advice, a solid financial plan, and a boost in self-confidence, you’ll be more than just okay—you’ll be on your way to a bright new future. So, here’s to new adventures, strengths, and a new you. Let’s make this chapter one heck of a comeback! You’ve got a world of possibilities waiting for you, and who knows? The next chapter might be your favorite yet.
Friends, are you facing a divorce? How are you empowering your future self? Please leave your thoughts in the comments below.
Planning out your finances is a massive help to many people. You know what direction you’re headed in, you can give yourself a goal, and you can generally not panic about the amount of money that you have or need. Once you know what your plan for your financial future is, it’s like a weight is lifted off of your shoulders, and a whole load of stress can dissipate. In this article, we’re going to be taking a look at how you can do this, so keep reading if you would like to find out more.
First, being eco-friendly can help you to save money. It will save you money on your electric bill, it can save you money on your food bill, and you can even look into sustainable end-of-life options that are also cheaper than the traditional options a lot of the time. The state of the planet is a big concern right now, so being more eco-friendly is something that you should already be looking into anyway if you have not already done so. But, if you needed a little bit more of an incentive, then this is certainly a great one.
Saving Where You Can Gives You Security
Saving as much money as you can will give you a sense of security that you do not have otherwise. Experts recommend that you try to save enough for two months of bills and payments that you need to make so that you are not completely in the lurch if something goes wrong. For example, if you lost your job for whatever reason, then you need to still be able to live in the meantime while you are looking for more work.
If you have these savings, it gives you the security that you need to know you are not going to struggle when things get tough. You always have that to fall back on, and that’s important.
Budgeting Properly Allows You Peace Of Mind
Finally, if you budget properly, then you have peace of mind that everything is paid, and that you’re not going to go into debt. Going into debt is one of the worst things that you can do to yourself, and should never be done if there is any alternative option. Having said that, we do understand that there are times when you cannot avoid it. But, if you budget to the best of your ability and keep within your means, this is the best way to give yourself peace of mind now and in the future.
At the end of the day, the more of a plan that you have in place, the better you are going to feel. We understand that some people don’t like to plan their lives out and that they struggle when it comes to things like this, but it is for the best. The more that you plan and the more solid the plan you come up with, the better you are going to feel. At the very least, you know everything is taken care of financially, and you don’t have to worry about it.
Friends, how are you planning for your financial future? Please leave your thoughts in the comments below.
When building a wardrobe that exudes confidence, sophistication, and practicality, the importance of investing in high-quality men’s shoes cannot be overstated. While it might seem tempting to go for the most budget-friendly options, there are compelling reasons why investing in premium footwear is worthwhile.
1. Longevity and Durability
One of the most significant benefits of investing in quality shoes is their durability. High-end shoes are crafted from superior materials, such as full-grain leather or premium suede, which are more resistant to wear and tear than their cheaper counterparts. The construction methods used in quality shoes, such as Goodyear welting or Blake stitching, ensure that the shoe’s sole is securely attached and can be replaced if necessary. This means that while you might pay more upfront, these shoes can last for years, making them a better long-term investment. In addition to considering well-known premium brands, you might explore boutique options like burrowsandhare.co.uk, which offers a curated selection of high-quality men’s shoes that combine craftsmanship with contemporary style.
2. Comfort and Support
Quality shoes are designed with comfort in mind. Premium footwear brands invest in advanced technologies and materials to enhance the comfort of their shoes. Features such as cushioned insoles, ergonomic designs, and moisture-wicking linings contribute to a more comfortable walking experience. Properly constructed shoes provide better arch support and reduce the risk of foot pain or injury, which is particularly important if you spend long hours on your feet. In contrast, cheaper shoes often lack the necessary support and cushioning, leading to discomfort and potential health issues over time.
3. Enhanced Style and Versatility
High-quality shoes often come with a timeless design and superior craftsmanship that can elevate any outfit. Whether it’s a classic pair of Oxfords, sleek loafers, or stylish brogues, investing in well-made shoes means you’re getting a product that looks polished and refined. Quality shoes often have a better fit and finish, with attention to details such as stitching, color, and texture. This level of craftsmanship not only enhances your overall appearance but also adds a touch of sophistication and confidence to your look. Versatile designs ensure that these shoes can be paired with various outfits, from formal business attire to casual weekend wear.
4. Cost-Effectiveness Over Time
While the initial cost of high-quality shoes may seem high, they are often more cost-effective in the long run. Due to their durability and timeless style, you will likely find yourself needing to replace them less frequently compared to cheaper, lower-quality options. In addition, many premium shoes can be refurbished or repaired, which extends their lifespan even further. By investing in a few well-made pairs, you can save money over time and avoid the cycle of buying and discarding inexpensive shoes.
5. Ethical and Sustainable Choices
Many high-end footwear brands are committed to ethical practices and sustainability. Investing in quality shoes often means supporting companies that prioritize fair labor practices, environmental responsibility, and animal welfare. These brands are more likely to use eco-friendly materials and manufacturing processes, which can align with your values and contribute to a more sustainable fashion industry.
6. Confidence and Self-Esteem
Wearing well-crafted, stylish shoes can have a significant impact on your self-esteem and confidence. When you know your shoes look good and feel comfortable, you carry yourself with greater assurance. This boost in confidence can positively affect various aspects of your life, from your professional interactions to your social engagements.
Ever thought about having a perfect lawn but worried about the costs? Well, we’ve got some great news for you: lawn care is actually more affordable than you might think! With a few smart tips and tricks, you can have that lush, green lawn without breaking the bank.
So in this post, we’ll be covering some of the best ways to take care of your lawn while keeping the costs low.
Let’s start by talking about lawn supplies and buying them. It’s super important to be smart about where and how you buy your lawn care products. You don’t need the fanciest and most expensive tools to get the job done. For example, many local gardening stores offer great deals, especially during off-peak seasons. And don’t forget about online shopping either! Websites often have discounts and sales that you won’t find in physical stores.
Another thing to consider is buying in bulk. When you purchase items like lawn fertilizer in larger quantities you can save quite a bit of money in the long run. Plus, bulk buying means fewer trips to the store which saves you time and gas money.
Lawn care at home
Believe it or not, you can do a lot of your lawn care yourself with just a bit of knowledge and effort. Instead of hiring a professional service, why not try mowing your lawn yourself? It might seem like a lot of work, but with the right equipment, it can actually be quite manageable and even enjoyable to some people. Plus, it gives you a chance to get outside and enjoy some fresh air instead of being stuck indoors.
Weeding is another task you can easily handle on your own. Instead of spending money on expensive weed-killing chemicals, consider pulling weeds by hand or using natural remedies like vinegar. Not only is this cheaper, but it’s also better for the environment. Once you get the hang of it, it becomes a lot easier and you’ll be done in no time.
Gardening on a budget
Gardening on a budget is all about being resourceful. You don’t need to spend a fortune to keep your lawn looking great. For instance, composting kitchen scraps can create a nutrient-rich soil amendment for your lawn, saving you money on commercial fertilizers. It’s amazing how something as simple as food waste can turn into a valuable resource for your garden.
Another budget-friendly tip is to grow your own grass from seed rather than buying sod. Grass seed is much cheaper, and while it takes a bit longer to establish, the savings are definitely worth it. Plus, watching your lawn grow from scratch can be incredibly satisfying!
Learning to water efficiently
Lastly, watering your lawn efficiently can also save you a lot of money. Instead of watering every day, aim to water deeply but less frequently. This encourages deeper root growth, making your lawn more drought-resistant and less dependent on constant watering. Early morning or late evening is the best time to water, as less water will evaporate in the cooler temperatures.
With a bit of planning and effort, you can maintain a beautiful lawn without spending a ton of money. Remember, smart shopping, DIY techniques, and efficient watering can all make lawn care more affordable. Happy gardening!
Many thanks to GoodWorks Mission, LLC for providing a sample of the product for this review. My opinions are 100% my own.
With the collapse of various fixed international systems of commerce, including both the Soviet model and Asiatic forms of Communism, some may find it hard to envision an alternative to a free global system of trade. This, and other economic discussions, are featured in the new title, “The Christian Capitalist,” by Rich Sanders.
Sanders, the founding pastor of the Online Home Church, in the Episcopal Diocese of Atlanta, earned his Master’s in Divinity from the Candler School of Theology at Emory University in 2015, whose bi-vocational calling in ministry and business, and as the retired President of Southern Health Lawyers, and the founder of St. Michael’s Mission, Inc., a ministry organized to assist and serve active duty and veterans of the armed services bring readers down a spiritual journal into the economic thoughts of John Paul II, the late pointing of the Episcopal Church.
Sanders’s encyclical views, extrapolated from the sermons of Father Richard John Neuhaus, whose views on funding centered on, “Doing Good & Doing Well.” Principles that helped Sanders’s traditional sense of economy. Centering on the Catholic social gospel, and incorporating Neuhaus’ teaching of fiscal propriety, to keep users’ “Feet planted on the ecumenical earth while pointing toward the loftiest ideals of Christian virtue.”
The author shares practical knowledge of leading a Christian, debt-free lifestyle. Sharing thoughts on the personal impact of frugality in, “The challenge before us now is how to make what John Paul calls ‘the new capitalism’ . . . work better, especially for the poor and marginalized,” writes Neuhaus, a Catholic neoconservative commentator, to. “The challenge of making democratic capitalism more genuinely democratic.” Giving readers a perspective of a society, that, in his opinion, should be valued, “Free work, of enterprise, and participation.”
Focusing on the social gospel that Neuhaus embraced that does not condemn the accumulation of wealth, regardless of origin or intent. Likening Christian capitalism to a young priest, who expressed his devotion to the Blessed Virgin by juggling. Stating, “The only thing some people know how to do well makes money,” Neuhaus shares that the pursuit of money is, “Not an unworthy thing to offer up.”
Suggesting, again, that good intentions, like good works, Neuhaus states that those who worship, as he does, can, and should, go about the business of making money activities. Stating that “God loveth adverbs,” and that “We are to take care of business conscientiously, fairly, honestly, lovingly, and, yes, even prayerfully.”
Combining his beliefs in monetization and the free market through the guise of spiritual development. That living a righteous life, and the mechanics of public policy, are less important than their fundamental moral design. Its pages leave readers to ponder what role they play in a free marketplace and enterprise, while simultaneously admonishing and deeply questioning corporate tithing, volunteerism, and social safety nets including secular domestic welfare programs
Some readers may conclude that this work holds a deep-seated mixed message. Stating the Catholic Pontive’s hope for “a nicer world” or reporting that capitalism can feel comfortable, when even his current Pontive’s views ask God’s village to be responsible our world’s growing for poverty, despite the world’s amassed wealth, enterprise, and commercialized property.
Despite its nonsectarian temperament, “Doing Well & Doing Good” is specifically Christian in design and tone. Yet, the essential message hosts a narrative to spend time daily in the role of an “acting, thinking, creating person,” who feels a tug of conscience at the sight of a homeless family. Provoking readers to “envision” the moral compass within our own day-to-day lives. An ambitious message in a world ever prone to dissonance, disease, and discord.
For readers seeking a secular view of finance and smaller formats of macro financing, The Christian Capitalist explores various scriptural references that support twin pillars of Christian belief:
1) Working hard to make a productive benefit from talents and materials that God has provided all people; and
2) Giving generously to share those benefits with our neighbors in the name of Jesus Christ. Through a discussion of Holy Scripture, it analyzes various passages that relate to these concepts of productivity and generosity, along with two thousand years of history discussing the good works of Christians as examples. Ultimately, this book develops a philosophy that is uniquely Christian and capitalist: the Gospel of Hard Work and Generous Giving. If those methods perpetuate your budgetary concerns, then this script is picture-perfect for you.
You can order your copy of The Christian Capitalist today, here! Then, enter for your chance at winning your copy of “The Christian Capitalist,” along with a chance of winning a $500.00 donation to your Christian-based charity or ministry of choice.
To enter into the drawing for your copy of “Christian Capitalist,” please leave a comment on this post letting me know why you most want to read this title, as well as your charity of choice for a possible $500.00 Christian charity or ministry donation. To enter the drawing for the shared $500.00 giveaway, please click here. Please note, that both giveaways are limited to United States winners only. Entries will be accepted until July 1, 2024. Good luck!
