Hope the New Year is treating you well so far! To help usher us into a what will hopefully be a fantastic year, I wanted to bring you some tips on money habits to make your 2018 sparkle! Read on for some kick-booty advice on slaying your finances this year!
Money Habits To Make Your 2018 Sparkle
Could your year have gone better financially? If 2017 was characterized by poor money decisions, having to carefully budget and worry about unexpected expenses, then there are ways to look forward to a much brighter future in 2018. It starts with a few simple steps, such as consolidating any debt and trimming your outgoings. This should leave you with more of a cushion to cover anything you didn’t budget for. Here’s how…
Check Your Utilities
It doesn’t pay to be loyal when it comes to your gas, electricity and other bills such as broadband. Despite the huge array of comparison sites out there, many of us still aren’t taking ten minutes to make sure we’re getting the best deal. Your circumstances will change over time, so the tariff that is best for you will also change. You could save up to $300 a year just for a quick check! The onus is firmly on providers to make it easy to switch so there shouldn’t be much hassle for you as a customer. Save those dollars where you can!
Pay Down Your Debt
Wouldn’t it be amazing to wake up one day completely debt free? While this is a completely achievable reality, you have to be smart about your borrowing. Many people just let their repayments tick along. What you actually need to be doing to make inroads in the amount you owe is proactively managing the situation. Consider finding a debt consolidation loan through a service like Evolution Money. That way you can reduce multiple payments into one monthly amount. If you have credit cards, try transferring the balance onto a card with an interest free period to then pay it off in the timeframe.
Seek Out Cashback
If you’re planning any big purchases this year, then make sure you go through a cashback website like Ebates. I personally use and love this site, it’s only an extra click when you’re shopping online and boom! Automatic cash back! You’ll get a percentage of what you pay back – and when it’s a larger purchase, like white goods, this is well worth doing. You can even earn cash back for purchases made via your mobile phone using their app.
Set a No Spend Zone
You may be in the habit of small, daily purchases. They don’t cost much individually, but add them up over the course of a year and they can make a significant dent in your budget. Often these habits don’t really bring us happiness. So one trick to to set a ‘no spend week’ or even just a ‘day’ in the month where you don’t spend any money at all. Prep your lunch in advance if you work out of the home and bring a coffee your own coffee travel mug. Leave your debit card and any cash in a drawer. You may be surprised how effective this is at breaking a pattern of mindless spending.
Waste Less Food
Food waste is a huge environmental problem, and it’s also an issue for our wallets with the cost of the weekly shop rising all the time. But we can get better at correctly estimating portion sizes and find creative recipes for leftovers. Finding out information on how to correctly store food and using our freezer more can also help. Love Food Hate Waste is a great place to start.
If you want to do something for your family that could also help boost your financial standing, check out my post on owning stock with Stockpile!
I know as single moms it can be a serious challenge to save money and get finances in order, so I hope these tips will help you get on track and make 2018 your richest year yet! 😉
Hey mamas! I hope you’re all having a wonderful Holiday season! This week I wanted to bring to you all the classic joy and memories of Christmas cards and the easiest and best way to create this years Christmas cards in one click with PhotoMania!
As single moms, we don’t always have the time to do things such as send out cards, whether they be via snail mail or online. Also, the cost of having professional pictures taken to cards created is just too much for our tiny single mom wallets. Well, this will all change for you! I am excited to show you how amazing your Christmas cards will look using a simple click! With PhotoMania , you get to choose the effects, backgrounds, and fun editing of your own photos! Just choose your favorite photo of your little ones or whatever you think will make the best card and upload the photo to their site. It’s fast, easy, fun and FREE!
To make it even better, PhotoMania has an app and a Chrome extension so you can add some personality to your favorite photos any time you want! Once you’ve created your Christmas card masterpiece, just save it to your phone or computer and send it out to all your friends and family! Booyah!
So what are you waiting for? Go right on over to PhotoMania right now and start creating! Have fun! Don’t forget to share and subscribe to my single mom tribe!
It’s nearing that special time of year when we moms shop for the perfect gifts for our kids and I am here to make this year a heck of a lot easier! I am gifting you with the ultimate kid’s gift guide! Merry Christmas mamas!
My guide has everything from babies to teens, toys, clothes, games, books and more! Just shop on through the post, everything is below! Some things will be in shoppable guides directly from the shops or links to specific items will be included as well. Ready? Let’s dive right in!
This post may contain affiliate links*
Here is one of the best places to shop for toys this year! Shop their site to find deals on the best of this year’s hottest toys!
If you’re looking for the cutest, & trendiest clothes that are great quality for amazing prices then you need to shop Pat-Pat! Right now that are having sales up sales upon sales! Check out their clearance section for up to 90% off and more fabulous deals! Take an extra 15% off your order when you use code XMASPAT at checkout! Shop all the latest kids fashions here!
They also are offering up to 65% off matching Christmas outfits for the family! Shop the looks here!
If you’re looking for something more on the creative, unique and original side, check out these eco-friendly subscriptions boxes that your kids are sure to love! Each box comes with fun science or art crafts that use only eco-friendly ingredients. Gift your kid’s something extra special this year with a gift that will keep on giving! Green Kid Crafts
For more ideas on creative and original gifts shop books, educational games and so much more with the gift guide from Educents!
Do you remember Highlights? I used to love the scented stickers and fun activity books that would come in the mail when I was a kid. Well, they are still around and better than ever! This year, gift your little ones with the fun, adventure, and learning that comes from one of the best and most loved kids subscription! Right now try Highlights club FREE through 12/16! click here!
You can also shop their stocking stuffers and other gifts under $10!Shop here!
Here is my list of personal picks that I think your kids would love! Scroll through to find the best that I have personally chosen just for you!
This Lego Space Shuttle Explorer is a hot buy for the young boy in your life! Find it here!
Zoomer- Interactive show pony is the perfect gift for any girl! A must buy! Grab her here!
Who doesn’t love dancing baby Groot? Get Marvel’s Guardians of the Galaxy dancing Groot at a great price here!
When you’re a single mom, it’s hard to make ends meet, especially without a full-time job because being a mom is already a full-time job and when there’s no man in the picture to bring home the bacon…things can be tough.
Having a smaller income can make simple things like buying good quality clothes for your little ones, keeping up with organization, groceries, toys, and activities can be a lot and can leave you broke and struggling. Our kids come first and so making sure all of their needs are met and they have everything they need to be healthy, happy and stylish is a top priority. So what’s a mom to do? Read my blog for great tips of course!
How To Be A Cool Mom On A Serious Budget
I like to consider myself a money savings guru….
For years now, since the birth of my son I have searched, scavenged and hunted for the best deals, the cheapest stores, the greatest sales etc and it’s much easier than you think to save yourself a few bucks when buying things for your kids or even keeping yourself from looking like an extra from The Walking Dead. So here are my top tips for pinching those pennies!
You have probably heard of these or even have shopped in one before but consignment stores are heaven sent. Trust me, once you’ve had the consignment experience, you’ll never go back! Not only can you buy gently used clothes, toys, books, bedroom furniture and more at a children’s consignment store for amazing prices, but they will pay you for yours! That’s right! When you’re kids have outgrown their clothes, toys, videos, bed sheets etc, and as long as they are still in great shape, the consignment store will take them, and you will have two options, you can either take the cash once your items have sold in the store, or use it as credit to buy things from the store!
When I first learned about this I was mind blown! Just think…when all the items that you’ve donated have sold, you can use the credit to buy all new stuff from the store and therefore never spend a penny! Practically an exchange! Like what? How cool is that? Oh, and consignment stores are also for adults too! Just find one that sells woman’s apparel or any adult consignment store and the same thing applies!
I can’t tell you how many name brand, super cute clothes, handbags, and shoes I’ve gotten for free just by selling things I no longer wear to my local women’s consignment store! Check out all the consignment stores in your area! You won’t be sorry and your wallet will be just as happy!
Free Online Printables.
Need activities for the kids? Do they like to color? Do you homeschool? Well, the world of free online printables is your new friend! I use these printable activity pages, storybooks, color pages and homeschool lessons all the time for my son, no need to pay for expensive school books, coloring and activity books, just search up what you’re looking for and simply print it out! Easy peasy. Everything from toddler activities, preschool, all the way up to high school age activities and stories can be found online in a free printable format. Saves you time, money and keeps the kiddos busy! Below are some great websites to start you off!
Shopping at The Dolar Store and thrift stores are a lot less icky than they may have been back when. You can actually get all sorts of treasures at these places. Everything from toys, party supplies, wrapping paper, snacks, home organization, school supplies and more can be found right in The Dollar Store. Thrift stores are treasure troves, I love thrifting and hit my local thrift shops every month and never walk out empty-handed.
They are great places for finding play clothes, household items, movies, and things to use for amazing DIYs. Pinterest anyone? Don’t be afraid to shop these kinds of places, you won’t regret it if you do. 😉
Groceries & Coupons.
So this may be a no-brainer, but when you want to save some dough when buying some dough, grocery coupons come in handy. I’m not talking go all Extreme Couponing on me and have a basement full of boxes of rice, packages of gum and sticks of deodorant but….coupons are wonderful. Clipping coupons seems like such a chore and let’s be honest…a little Stepfordy? So, I wish to welcome you to the new generation of couponing.
Most grocery stores have rewards or member cards, if you don’t have one already, you need one. They’re free, so just ask for one at checkout. Once you get your card set up, you can go online to the store’s website and add coupons to your card, and when you purchase those items at the store and swipe your card you save all kinds of money. Boom. Also, there are websites that email you coupons you can print out and also ones you can use for various places online! Pretty awesome stuff if you ask me, so if you want to save a little money while running your errands, picking up dinner and so on, remember to get some coupons! Here are some websites for online coupons:
So, you’re a mom…and that means it’s nearly impossible to squeeze in some time for self-pampering and keeping yourself from looking like a mess. When you do find the time, it’s easy to splurge for a fancy mani-pedi, hair stylist, or facial. But are those things really necessary? They’re expensive, and when you’re on a serious budget it’s just not smart. So why not just do it yourself? You can! You don’t have to be a pro, or even really know what you’re doing, it doesn’t take much talent to keep yourself fresh and fabulous.
With the use of the proper tools, you can give yourself your own manicure for well, nothing. If you need a little help, there are plenty of YouTube tutorials to help you out. Hair color need a boost? Instead of paying a crazy amount for someone to color your hair for you, just pick up a box of a good quality non-toxic hair color and do it yourself! Or if you’re too afraid of ruining it, ask a friend to come over to help and make a girls night out of it! No worries!
For a deep skin cleansing and detoxing experience, homemade facials are just what you need. You probably have all the ingredients you need right in your kitchen! No cost involved and only a few minutes of time! Just whip up some skin food and slather the natural gunk on your face, and let it get to work improving your complexion. Just look up home facial recipes, they really do the trick! Lastly, do you struggle with finding the time and money to work out? Well, not anymore sister. Did you know that YouTube has millions of workout videos? It sure does. Most of them you can customize for time 5-30 minutes, your level, your fitness goals, trouble areas, and what equipment you already have or don’t have at home. Skip the gym memberships, expensive treadmills, workout systems and so forth. Just hop on YouTube, pick a video that suits your needs for the day and get on it, then boom, all done! Quick, easy and most importantly, free! You’re welcome. Some great channels to get started with are PopSugar Fitness, and Cassie Ho of Blogalaties.
Budget-Friendly Stores & Kids Activities.
When you want to go shopping or take your kids out, it’s good to find places that don’t cost a lot or anything at all. When the regular department stores are calling your name and you need to keep the spending low, opt for less expensive stores that have the same high quality stuff as the expensive places. For instance, I love shopping at Ross, T.J Maxx and Burlington Coat Factory is amazing as well. When shopping online Zulily has great sales on the cutest things for the kids, home, and you! So skip the big shiny store and head into the more budget-friendly store, trust me, you’ll be glad you did.
When it comes to activities for the kids, we are tempted to pay the big bucks for things like the membership places for classes, playtime and all that jazz? Yeah, you know what I’m talking about….or what about sports? Do you have any idea how much sports cost? Like geez, you might as well buy a car. So, when you need to save some money, just take the rugrats to the park, let them run and play, kick a ball, climb, swing and roll around in the grass. Same benefits, but it’s free.
Playdates are actually great too, organize for a few of your kid’s friends to come over, plan a craft for them to do, teach them how to play hopscotch, put out some snacks and let the magic happen. Your kid doesn’t really need some fancy class, or to be the star soccer player, at least not until you can actually afford for them to be. Keep your priorities in check, and when they need/want some fun socialization or fresh air, just go for the free options at hand. They’ll be fine, I promise and you will be able to keep the bills paid. It’s not easy being a single mom with a low income, but just do the best you can and save money wherever you can, and when they get older, they will thank us for it. At least, we hope they will, right?
Keep on keepin’ on, working hard and being money wise. You’re fabulous and no one can say otherwise. For more money saving tips and ways to keep your finances in check, head on over to my other awesome post to read about money habits to make your 2018 sparkle! When times are tough, we gotta get tough too and I know we can handle it.
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