You’re a great mother, and you take pride in your children’s upbringing. The problem is that money can become an ongoing issue. You need to save cash when you can. Here are four ways moms can stretch the household budget.
Image via Flickr by stepnout
Groceries take up a lot of your monthly budget. Feeding your family is expensive, but you can stretch your money by shopping smarter. Most grocery stores still place ads in the newspaper. When you get the latest sales circular, compile your grocery list. Plan your weekly meals around the loss leaders: the items sold for less than the business would like. You can save a lot of money with a bit of planning.
Do you have some credit card debt? You should think of credit card interest as an invisible gremlin that swallows some of your hard-earned money. The amount of money that you owe will actually increase each month if you have a lot of debt, high-interest rates, and low monthly payments. If you always make minimum payments, you’re giving the credit card issuer cash that you could use for other purposes.
You should research a consolidation loan. Pay special attention to sites such as Prosper and Lending Club. They’re crowd-funded lenders, which enables them to offer better interest rates. You should have no problem finding one with a lower interest rate than your current credit cards. The savings you gain from combining your bills is found money for your family.
When you buy gifts for loved ones, you probably choose tech toys or branded merchandise. You might even offer gift cards. A better option exists. Start personalizing your gifts. In lieu of something that will wind up in the closet anyway, buy a monogrammed frame from Shutterfly using coupons to save money. Then add a picture of your family. Your purchases can even contribute to helping those less fortunate than you.
You should have no problem finding a discount. In fact, a lot of companies have deals that involve charitable donations when someone makes a purchase via Coupons For Good. The next time you buy flowers for a loved one, you can save money while helping charity by using 1-800-Flowers coupons.
Are you still paying for cable? How much television do you actually watch each day? Cord cutting is very popular these days. One of the reasons is that many of your favorite programs are available online. You simply have to pay a streaming service a few dollars a month to gain access to thousands of hours of programming. In fact, you might even find free shows that you like on YouTube.
Similarly, do you have a telephone landline? How often do you use it instead of your cell phone? You should get rid of it. While you’re at it, call your cell phone carrier and ask for a better deal. The worst it can say is no. If it does offer a discount, that’s more money for your family.
As you can see, plenty of opportunities exist to help you stretch your budget. Follow these suggestions to live more comfortably with your current family income.
Since you all loved the other cookie giveaway I did last week I thought a St. Patrick's Cookie Giveaway would be another great one for those of you who have a sugar tooth. :) This giveaway is sponsored by Gourmet Cookie Bouquets ! I personally have not tried these cookies but looking at the pictures of all the cookie bouquets made me ready to try them! I absolutely love the creativity in all their Holiday Bouquets! 2 Lucky winners will win a fun St. Patrick's Day Bouquet that is valued at $50. GOOD LUCK! I hope one of my readers wins!! Use the rafflecopter widget below to enter the St. Patrick's Day cookie giveaway. The mandatory entry is commenting on this post, but once that entry is completed, various other entry options will become available. Any option is acceptable, but the number of entries per person are limited to the number indicated in the contest rafflecopter form. Entries will be reviewed and duplicate or uncompleted ones will be removed
St. Patrick's day is March 17th so its approaching quickly. I have a few ideas on art and food projects that i want to do with the kiddos. Hopefully I will have enough time to complete them and share them with you. This was a super easy one for those little hands. I cut the stripes of colored paper but if you are working with a preschooler or school aged child then they can practice cutting. The two toddler boys here only had to glue the pieces on their piece of paper. EASY, but they enjoyed it! :) It sure has brightened my kitchen with them hanging on the fridge! :) I also talked more about the Promise God gave us with the rainbow since I know that history a whole lot better then the history of the Irish Holiday!
I really enjoyed this visual for Color Street Application! So far Nail it With Selah and April is going great! We are eager to help you get your nails pretty or sparkly or both! If we can do it then that means anyone can do it! Look at the fun Easter Colors!!!! Which one is your favorite? Chicks or bunnies? Check all the other designs here!