Monday, 21 December 2015

Let there be peace on earth… and let it begin with our house! :)

Let there be peace on earth... and let it begin at our house!

“I want to do the icing!!”

“NO! Mom said I could do the icing!”

“You’re not giving me any candy so I can decorate!”

“You’re hogging all the candy!”

“Mom! I saw her eat a piece of candy!”

I was finally feeling a little better and had promised the kids we’d turn on Christmas music, make hot cocoa, and decorate a Gingerbread House. I had visions of how fun and memorable it was going to be.

Instead, one child ended up in their room for half of the decorating, another child was almost in tears, and I wanted to chuck the whole thing and send everyone to bed.

Sigh. Such is life some days.

To all the tired mamas out there, I just want you to know that you are not alone.

There are days when it’s not pretty, it’s not quiet, and it’s certainly not all picture perfect.

But this is the stuff that life is made up of. The good, the bad, the cranky, and the messy.

And in those difficult moments when the kids are acting up, I have a choice. I can choose to be overwhelmed and frustrated (and some days, sadly, that’s my first response!). Or, I can choose love, stay calm, and, yes, sometimes declare an early bedtime. 
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Friday, 18 December 2015

Beary Christmas + A New Table!

It's one week until Christmas and the season is just flying by but I had to share a few little additions to our living room. One of my favorite stores, World Market, had just opened a new store so I ran over to NJ to make a visit and do some Christmas shopping. I got lots of great goodies to help me cross off my list but treated myself to a few presents too.

Knowing the succulents I had grown over the summer and fall needed to come inside, I found the perfect home for them with these fabulous concrete terrariums. Using river rocks and adorable carved wooden bear ornaments completed the look with just the right amount of whimsy for me. Aggie enjoys visiting the bears in their "cages" everyday and they aren't so overtly holiday that they will need to be put away after the Christmas season is over.


The other item I just had to throw into my cart was this french bistro table that I had been eyeing for more than a year now. Its the perfect petite size to use as a side table, small entry way table or dessert table (I plan on moving it around as needed). It's base is just like the much more expensive variety I find over and over at flea markets and antique stores and the top is substantial slab of wood to soften the metal base a bit. Love it!

Am I the only guilty party buying myself gifts when I really should be focusing on crossing off my list?

disclosure: this post was sponsored by World Market but all opinions expressed are my own.



Thursday, 17 December 2015

145 Non-Toy Gifts for Every Age

non toy gifts

Guest post from Marci of Our Heavenly Home:

I’m willing to bet that you don’t need anymore toys laying around your house, right?!?

Whether it’s Christmas, a Birthday, or special occasion, there’s no reason you must give toys for a gift. Think outside the box a bit and I’m sure you’ll come up with a great non-toy gift to give.

Whether you create a themed gift basket using items listed below, or throw a few of the non-toy gifts into a gift bag, I’m sure they will be a welcome surprise for anyone on your gift list!

  1. Karate Class
  2. Books that you enjoyed as a child
  3. Zoo membership
  4. Trampoline
  5. Museum membership
  6. Sidewalk Chalk
  7. Swing set
  8. Donation to a Children’s Hospital or special cause in their name
  9. Savings bond
  10. Construction Paper
  11. Money deposited into savings or 529 account
  12. Clothing and shoes
  13. Children’s Cookbook
  14. Dinner date coupons (one on one time)
  15. Gift certificate to a cooking class
  16. Music Class for 1 session
  17. Arrange a family day at the bowling alley
  18. Cook a family dinner together
  19. Play Mat or Rug
  20. Movie Date at the Movie Theater
  21. Child’s Umbrella
  22. Drawing Pads
  23. Ride On Vehicle
  24. Water Table (use for kinetic sand in the winter)
  25. Scarf
  26. Work on a craft together and proudly display
  27. Gift Certificate to Favorite Restaurant
  28. New Christmas Ornament
  29. Horseback Riding Lessons
  30. Dress Up Clothes
  31. Add accessories to their fairy house
  32. A Radio
  33. Art Class for one Session
  34. Gift Certificate for favorite ice cream eatery
  35. Sheets and Comforter for Bed
  36. Spend the day with a friend at the skating rink
  37. Embroidery Floss
  38. Playing Cards (Uno, Go Fish, Regular Deck)
  39. Their favorite chefs cookbooks
  40. Your favorite books from your childhood
  41. Yearly Subscription to National Geographic
  42. Add necessities to their sporting gear
  43. Sandbox
  44. Beads for Crafts
  45. Gift Certificate to Paint Pottery
  46. Notebooks and Smell Markers
  47. Day out with a Friend For Skating
  48. Little Passports membership to explore the world
  49. Magic Tricks For Kids
  50. Head for a local kid or school theater for a play
  51. Your favorite movies (on dvd or blu-ray of course) from your childhood
  52. Gymnastics Class for 1 Session
  53. Cookie Cutters
  54. Dry Erase Boards & Markers
  55. I See Me! Personalized Book
  56. Kidorable Rain Boots (so cute!)
  57. Chick-Fil-A Gift Card
  58. Car Seat
  59. Amazon Prime Membership to stream movies and tv shows
  60. Snack Cups
  61. Yearly Subscription to Highlights Magazine
  62. Photo Album with pictures of the special kiddo
  63. Blanket
  64. Sign up for a library card
  65. iTunes Gift Card for Educational Apps
  66. Personalized Step Stool
  67. Colored Pencils
  68. Tickets to a age appropriate music concert
  69. Pair of Skechers Light up Shoes
  70. Finger Flashlight
  71. Fun Hat and Mittens
  72. A puppet theater
  73. Puzzles
  74. Fun Colored Belts
  75. Bicycle
  76. Finger Puppets
  77. Crochet Blanket
  78. Character Alarm Clock
  79. Kitchen Tools to help make meals
  80. Educated with a membership to ABCMouse.com
  81. Create a craft bin with supplies
  82. Pillow Pet
  83. Help your child create a Countdown Calendar for special event
  84. Diapers
  85. Markers
  86. Wipes
  87. Cooking Apron
  88. Writers Workshop (pencils, pens, notebook, journal)
  89. Bath Mirror for Bath Time
  90. Day out at the water park
  91. Go for a hike
  92. Crayons
  93. Membership to local attraction/amusement park
  94. Night out at a local hotel with a pool
  95. Candy Molds
  96. Drinking or Sippy Cups
  97. Teach a hobby of yours
  98. Funky Socks
  99. Create a coupon book
  100. Start a collection or add to an existing one
  101. Wendy’s Gift Card
  102. Spend a entire day baking and deliver the goods to friends and family
  103. Finger Paint
  104. At home movie night with dinner, snacks and dessert focused around the movie
  105. Popcorn Cart
  106. Potty Seat or Chair
  107. Squeaky shoes for toddlers
  108. Beanbag chair
  109. Science Kits
  110. Hat & Mittens
  111. Create a book on Shutterfly expressing your love
  112. Jewelry
  113. Bubbles
  114. Baseball Glove or Soccer Ball
  115. Book Shelf
  116. Karate Class
  117. Tickets to a Professional Sporting Event
  118. Crayons for Bath Tub
  119. Balloons
  120. Shadowbox of Keepsakes
  121. Book of handwritten notes of child’s “Silly Sayings” they’ve said over the years
  122. Night Light
  123. Pottery Kit
  124. Personalized Anywhere Chair
  125. Indoor Parachute
  126. Duct Tape
  127. Instrument
  128. Chalk board
  129. Outdoor Movie Theater Screen
  130. Slippers
  131. Sunglasses
  132. Nail Polish
  133. Hammock
  134. Drawing Paper
  135. Bag of Craft Supplies (Googly Eyes, Glitter, Popsicle Sticks, Cotton Balls)
  136. Bird Feeder and Seed (one of the best gifts we’ve ever received!)
  137. New Pajamas
  138. Stamps and Ink Pads
  139. Sleeping Bag
  140. Children’s Movies
  141. Sled
  142. Camping Tent
  143. Popsicle Molds
  144. Bubble Bath
  145. A treasure of yours that you would like to pass down

Do you have any items that you would add to the list?

You can find Marci Loehner sharing recipes for busy Moms at My Heavenly Recipes and DIY projects at Our Heavenly Home. You’ll find that each recipe and project is kid tested & Husband approved.

photo source

Sunday, 6 December 2015

Sign up for theSkimm daily newsletter!

If you follow me on Periscope, you know how much I love theSkimm email newsletter. This is an email newsletter that comes every week day that skims all the top news from the last day, breaks it down into bite-size content, and delivers it in a fun and engaging way.

This email newsletter is not from a conservative perspective, but is mostly unbiased and straight-shooting and it’s a great way to keep up on all the top news in a quick manner.

Sign up for theSkimm here.

(Note: The links in this post are affiliate links. Read our disclosure policy here.)

How I Became a Stay at Home Mom in a High Cost Area

stay at home mom

Guest post from Aileen of Aileen Cooks

I never thought I would be a stay-at-home-mom before I had my first child. I took pride in working and did not feel the need to change anything.

My husband had mentioned the idea of my staying home once we had kids, but I never thought we could afford it. In fact, we couldn’t afford for me to stay home — I was bringing in almost half of our income!

We live in the San Francisco Bay Area — an extremely high-cost area — and we had an expensive mortgage. There was no way it would work for me to stay home. I had to keep working.

Then, my son was born.

Boy, did my mind-set change!

I could not imagine the thought of leaving him, but I also didn’t think there was any way we would be able to survive on a single income.

When my son was 3 months old, I went back to work part-time. However, even with a part-time schedule, I was unhappy.

I mentioned this to my husband a lot, almost daily. I did not want to work anymore — I wanted to be home with our baby. I felt like I was missing out. So, we made a plan.

First, we figured out what our bills would need to be in order to survive on a single income. We would need to make a lot of changes, but we were both determined to make it work.

Here’s what we did:

  • Cut out the non-essentials. No more trips to the nail salon or daily trips to Starbucks.
  • Contacted every company I thought would work with us and requested a lower rate (Internet, Cell Phone, TV) and most worked with us.
  • Cancelled our home phone.
  • Ate out less and started bringing homemade lunches to work.
  • Made more meals from scratch (homemade stocks and soups are a huge money saver).
  • Purchased second-hand clothes and toys. You would be amazed at the high-quality clothes you can find for children.
  • Refinanced our mortgage. This was huge for us – we were able to lower our interest rate and drop our mortgage insurance.
  • Paid off our credit debt.
  • Saved as much as we could from my part-time income, so we would have a cushion for emergencies.
  • Said NO to pricey house projects. If it didn’t have to be done, we didn’t do it. An outdated bathroom was a small price to pay for the ability to have one of us stay home with our son.
  • Continued to drive older cars. Our cars are not the newest and prettiest cars, but they get us from point A to B and they are payed off, so we don’t have to worry about huge car payments.

After 7 months of saving and cutting back, I quit my job!

My son was 10 months old and had just started walking. He is now 3 years old and we welcomed a second child last year.

Quitting my job was one of the best decisions I have ever made and I am extremely grateful to my husband for his continued support.

We recently cancelled cable and continue to look for ways to cut back on our monthly expenses. I still make my husband’s lunch every day and try to make as much food from scratch as I can. I take the kids to the library and participate in free or inexpensive children’s programs run by our local YMCA and First 5 Center.

Sometimes, money is pretty tight for us. If I don’t have enough gas in my car, we say no to that play date. I scrounge together meals from our pantry until pay-day. My husband and I plan a lot of at-home dates. We buy small birthday and Christmas gifts. All of these things make a difference for us.

If you are struggling to make ends meet or are trying to transition to one income, keep at it! Every little bit will help you reach your goal!

Aileen is a stay at home mom of two living in the San Francisco Bay Area. She blogs at Aileen Cooks where she shares family-friendly recipes, tips on cooking with kids, and money saving tips.

photo source

Wednesday, 2 December 2015

10 long years, but finally???.Debt Free!!!

Ten years ago in 2005, my husband Jim and I began a journey to become debt-free. It was not Dave Ramsey???s plan, because we had not heard of him. I remember the shock at the beginning of 2005 when I sat down and added up all our consumer debt. A whopping $55,774.91, consisting of credit card and car loan debt. How did we get to such a large number without realizing the full extent of our debt? Because we did what many other people do; it was always about whether or not we could afford the ???monthly payment???. After about six months of following a different get out of debt plan, a Pastor friend mentioned FPU. His church had just finished the 12 week course. I hadn???t heard of FPU or Dave Ramsey but I went to the website and started listening to Dave. I would download the podcast to my iPod and listen every chance I got. At first I thought Dave was a little over the top but as I listened and listened and listened, all the things he said made sense. I ordered the total money makeover book and continued to listen to the show sometimes on my iPod, sometimes on my computer. My husband was still somewhat skeptical but after we completed our Baby step 1 and then we began to pay off one debt after another, he began to take notice that we were making progress. Sometimes I would listen to the Dave Ramsey show in our home office with the volume turned low, and people on the show would be doing their debt-free scream. I didn???t think my husband was listening, but one day he asked me to turn up the volume because he wanted to hear someone scream their debt-free scream. From that time on, he was more committed although because I am the nerd in the family, I mainly took care of the finances. We also ordered the FPU home study course and watched the teaching videos. The one thing this program has done for us is to help us be on the same page. Having a set amount of blow money has also been very freeing for both of us. Once we finished with Baby step 2 (it took us about 3 years), we were able to make good headway with Baby steps 3 and 4. We were able to skip Baby step 5 and go on to Baby step 6 (owing $303K at the time) that consisted of our mortgage and a HEL loan that was more than half of our income because we had bought some land in 2004, and the plan was that we would build our own home on our land within a few years. In 2007 we tried to sell our home and it didn???t sell. Then the market took a downturn and there we were with a mortgage and a line of credit for the land. By this time with both of us working, we were living on one income and using my income to pay debt off. I changed jobs in 2007 and took a hefty pay cut. Two years later I changed jobs again and was able to regain what I had lost and then some. That was the perfect timing because about that time my husband???s work took a downturn that has persisted. He???s in a construction related field and his work is project based. We???ve had some challenges along the way: There have been times of unemployment, health issues, car repairs, and even helping with funeral expenses for a grand-child. I only mention this because in the past we did not have savings and would not have been able to meet this need. I also went back to school and finished up my bachelor???s degree, a life-long desire. I was able to do this while working full-time and we cash flowed the expenses with a little help by means of tuition reimbursement from my employer. Last year we took a cruise to Alaska to celebrate my graduation. The trip was paid for with cash, of course. We???ve also been able to help our children when challenges have come their way. Last year, our daughter was hit head-on by a driver. By the grace of God, she is ok. Her car was totaled and we were able to replace her car with a paid for used vehicle. We finished paying off the HEL loan last year and have been paying extra on the mortgage. I have to say that after all these years, it does get tiring some times and it???s hard to continue to be intense. We finally made the tough decision to sell our land. It would enable us to pay off our mortgage and be debt free once and for all. I???ve heard Dave say over the years not to buy land for retirement ahead of time, that there will always be land available. Well Dave is right. Although we owned our land for 11 years, it did not appreciate in value and it cost us money to sell it. The good news is that our home is now paid for. Finally, we are at Baby step 7 at the age of 56 and 62. The Lord has been gracious to us and we give Him the glory for enabling us to reach this goal. We can see his hand guiding us and thank Him for providing the guidance that we so desperately needed. Thank you Dave Ramsey for inspiring us to believe that we could actually get out of debt, and for providing the tools with which to accomplish this goal. The Baby Steps work if you work them. ???Freedom??? Jim and Maggie in California

Tuesday, 1 December 2015

Free Editable Printable December 2015 Cleaning Calendar

Free Editable Printable December 2015 Cleaning Calendar

Download a free editable printable cleaning calendar for December 2015 from Homemaking Organized.

Amazon.com: KitchenAid 6-Quart Professional Stand Mixer for just $249.99 shipped!

KitchenAid Stand Mixer Cyber Monday Deal at Amazon

Amazon has this KitchenAid 6-Quart Professional Stand Mixer for just $249.99 shipped today as a Cyber Monday deal!

Choose from black or red colors.

Valid today only, November 30, 2015.

(Note: The links in this post are affiliate links. Read our disclosure policy here.)

Kohls.com: KidKraft Dakota Dollhouse for just $59.99 shipped!

KidKraft Dakota Dollhouse Cyber Monday Deal at Kohl's

Kohl’s has this KidKraft Dakota Dollhouse for just $59.99 shipped when you use coupon code DEALSEEKER at checkout!

Thanks, SwagGrabber!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)

Staples.com: 50 Custom Holiday Photo Cards for just $9.99!

Staples Holiday Photo Cards Cyber Monday Deal

You can get 50 custom Holiday photo cards for just $9.99 at Staples when you use coupon code 48038 at checkout!

Choose in-store pickup to avoid shipping costs.

Valid today only, November 30, 2015.

Thanks, For The Mommas!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)

Amazon.com: Up To 70% Off Pajamas for the Whole Family!

Kids Pajamas Amazon Deal

Amazon is offering 50-70% off pajamas for the whole family today! There are some great deals for the kids — both girls and boys!

For example, you can get these super cute Komar Kids Girls’ Micro Fleece Owl Print Pants for just $9.60, regularly $24!

Kids Boys Pajamas Deal

Or get this Komar Kids Little Boys’ Trucks Fleece Blanket Sleeper for just $12, regularly $30!

There are choices for kids of all ages and sizes.

Shop all the Pajama Deals here.

Valid today only, December 1, 2015.

(Note: The links in this post are affiliate links. Read our disclosure policy here.)

Monday, 30 November 2015

How to Actually Start That Business Idea You’ve Been Dreaming Of

Starting a Business for Dummies

You’ve said you don’t even know how to set multiple alarms on your phone and have mentioned several times that you are not a very tech-savvy person. Other bloggers have said similar things. I’ve recently started a new blog after writing in other spaces over the years. I’m determined that this one will be successful! However, I don’t know how to do everything.

My question is: how did you actually begin? I assume you couldn’t afford assistants right away to do the tasks you don’t understand? What advice can you share for conquering this hurtle without having to practically get degrees in several new areas? – Betsy from The Betsy Beat

Hi, Betsy!

Let me first encourage you by saying that I actually don’t hold any degrees and didn’t attend college. This often surprises people!

I think that college is a great choice for many people and degrees can certainly be very necessary and helpful for many people and professions. However, I don’t regret my decision to not go to college.

I’ve always had a very entrepreneurial spirit. I started a few part-time jobs in high school (teaching violin, working as a mother’s helper, and waitressing) and loved those so much that I decided that I wanted to devote more time to these and being involved in volunteer work instead of going to college.

I did get my paralegal certification when I knew I was going to be marrying a man going to law school, but other than that, I never pursued any higher education. After we got married, I continued working in multiple part-time jobs and also started working on all of the business ideas swirling inside my head.

After multiple attempts at different entrepreneurial ventures, I ended up discovering blogging — which ultimately led to to allowing our family to be full-time self-employed entrepreneurs.

How to Start That Business You've Been Dreaming Of

To answer your question, here’s my advice on how to actually get started on that business idea you’ve been dreaming up: 

1. Be an Avid Learner.

When I was just starting out as an entrepreneur, I went to the library almost every week to check out stacks of books on all sorts of subjects related to business. I read about starting a business, managing a business, and successful business owners. These books not only inspired me, they gave me practical suggestions to turn my business ideas into a reality.

Back when I started, technology wasn’t anywhere near what it is today! Now, in addition to books, you can get access to so much motivational and valuable information through blogs, online courses, podcasts, Periscopes, and audiobooks. There is something for everyone — even those who hate actual reading.

I encourage you to become an avid and lifelong learner. Read good books. Listen to inspiring podcasts. Ask great questions from more experienced people. Read blogs by successful entrepreneurs.

Pick one new area every 3 months to focus on and then set aside an hour or two every week to learn all you can on that particular subject.

For instance, I recently have been devoting time and effort to learning more about Periscope. This means, I’m devoting a little time each week to reading blog posts about it, watching other successful scopers, and experimenting with a variety of different types of scopes myself.

How to Actually Start That Business Idea

2. Watch What Others Are Doing.

Want to be successful? Find successful people and pay attention to what they are doing right.

In the beginning, I found a handful of successful blogs online — bloggers who were making a part-time or even full-time online. I scoured their posts, I watched what they were doing, I looked at how they set up their blogs, and I asked myself what they were doing to be successful.

There’s so much we can learn from others. And honestly, pretty much all of the ideas that I have come from inspiration I find from others. I’ll see an idea that I think is really brilliant and then I ask myself how I can take that idea and make it my own.

It’s important to note that when you watch what others are doing, make sure that you don’t just go out and copy their ideas. The world doesn’t need any more copycats. But there is PLENTY of room out there for you to be you! Because you are the only you in existence.

So be inspired by others and then apply your own unique perspective and story and fresh ideas to what you learn from others.

How to Actually Start That Business Idea

3. Jump Out and Try!

So many people gather ideas, map out business plans, and study what works for others…but they never end up actually starting. If you want to be successful, you have to get brave and press publish, send that email, or make the first phone call.

Don’t just collect a bunch of information; go out and apply what you’ve learned. Start small and be financially smart, but jump out and do something. Even if it feels like just a tiny little step forward. Doing anything is almost always better than doing nothing at all.

I remember when I first jumped out and started MoneySavingMom.com in 2007. I didn’t have money to pay for a designer or anything fancy on that first site. Instead, I went to Blogspot and set up a Plain Jane blog with an all-white background and a text-only header. It was simple. It didn’t look all snazzy. But it was enough to get the job done and it was what I could do at the time.

Over time, I slowly learned how to tweak things and write better content and I slowly brought on a team of people to help improve the site design and usability. I also learned from constructive feedback.

I’m continuing to learn, to improve, to try things, and to make changes. It’s never exactly how I want it to be and there are things I’m constantly working on or wanting to change, but I’m determined not to let that hold me back from jumping out and pressing forward. Because if we wait until we get things exactly perfect, we’ll probably never start!

How to Actually Start That Business You've Been Dreaming Of

4. Don’t Be Afraid To Fail.

This is probably the most important piece of advice I can give you. You are going to fail. It’s inevitable. It’s part of the process of improvement.

But guess what? When you fail, you have a choice. You can choose to see yourself as a failure and you can run from ever attempting anything new again. Or, you can choose to see it as part of the learning process and a way to grow and improve.

Honestly, there are many times when failure has made me want to quit. But my mantra has always been to force myself to stop and ask, “Why?” Instead of groveling and wallowing in frustration over failure, I want it to be my teacher. So I ask myself, “Where did I go wrong?” “What can I learn from this?” “What will I do differently next time I’m faced with a similar situation?”

When you focus on what you can learn from failure, it actually becomes a valuable part of your success. As I often say, any success I have is the result of standing on a pile of failures and choosing to view those failures as building blocks and the foundation for eventual success.

By the way, when you download my free 5-day course, you will learn all about my first big business failure. As embarrassing as it was to fall flat on my face, I am truthfully so, so grateful for that failure, because it was the catalyst to where I am today.

What advice do the rest of you have for Betsy? Let us know in the comments!

P.S. Be sure to download my free 5-day course to learn the 5 keys to success that I’ve learned through business failure and success.

Photo credit, photo credit, photo credit, photo credit, photo credit, photo credit

Thursday, 26 November 2015

I’m so grateful for you all (plus, a little surprise!)

Happy Thanksgiving!

Over the past few days, I’ve been thinking a lot about this past year and all it entailed. This year has been filled with a lot of unexpected stretching things for me personally. But it’s also been filled with so many blessings.

One of those blessings has been you all. I’m grateful for each of you who read here, who comment, who send encouraging emails, who tell your friends, who pray for our family, who get excited about our new products, and who are such amazingly loyal readers.

Happy Thanksgiving!

When we started MoneySavingMom.com in 2007, I could have never dreamed what God had in store for us through this blog. I love this community here. I love the opportunity I have to get to earn a living doing what I love. And I’m so grateful and humbled that the income and opportunities from this blog allowed my husband to be able to come home full-time and that he and I get to work as a team to homeschool and run the business.

You mean so much to us! Thank you for the impact you have made on our lives. Thank you for how you constantly bless and encourage us. We love you all!

Happy Thanksgiving!

Also, we have a little Thanksgiving surprise we’ve been working on and I’m so excited to get to share it with you today! We were able to get in more stock of our brand-new Choose Love Bracelets, PLUS we also are offering free shipping on all U.S. orders when you order 5 or more Choose Love or Choose Gratitude Journals!

The journals are just $9 each right now — which makes them a fantastic gift! And when you order 5 or more this weekend, you’ll automatically get FREE SHIPPING on your entire order!

Go here to check out all the great products in our shop.

P.S. Want to know the story behind the Choose Love Bracelet? Watch this video here.

Sunday, 22 November 2015

A Year-End Game Plan for Investors

It has been a tough year for many investors as the stock market has sputtered and shuddered like it hasn’t in a long time. And get ready for 2016, when the U.S. presidential election campaign has the potential to roil markets.

Wednesday, 18 November 2015

3 Long Years

Good morning, I have bought your book twice because I gave my first copy to my ex-husband when we got divorced as I thought he needed it more than I did at the time. We were together for about 8 years, and I ended up supporting us as best I could for about 2 years while we bought a commercial fishing vessel and he became his own captain as fishing is the love of his life. I accrued about $4,000 in credit card debt. After our amicable divorce, I worked on paying off my credit card. Then the saga of my support dogs medical problems started. Over the last three years, I have spent about $17,000 on her for: two ACL surgeries, removing a bone tumor from her head and we had to fly to WSU, flying down for a follow up six months later, and lastly two root canals because she hit a trailer hitch and broke her front teeth off chasing a ball. Two months ago when she broke her teeth, I was able to pay the $1,200 vet bill with cash and not have to put more money on my credit card for this unforeseen medical expense. I have also worked as much overtime as possible at my job, and had a few other part times jobs over the course of the last two years, sacrificing many adventures with my support dog, fun social events, and sleep. It has been a very long, hard road, especially as other medical bills happened and my goal date of debt-freedom would come and go. I paid for my dad???s Subaru with cash when he bought a new one and I worked my butt off in college to graduate with no debt, so having credit card debt was my first experience with paying a finance charge, and it hurt every month, year after year. I have followed your principals as best I could (sometimes better than others), and by showing restraint, having a budget and sticking to it, and making sure that I have an emergency fund, today is the day. I worked 28 hours of overtime last pay period (119.75 hours of OT this year), and I am finally able to pay off my credit card for good. Not gonna lie, I might be a little weepy right now. I have to thank you for giving me the tools to set myself up for success, if I wanted it bad enough. And trust me, I told myself many times ???don???t buy things with money you don???t have???, and ???one day I will be able to pay for all of this and more without having to buy it on credit???. Along the way I have also been able to save for retirement, and in July I was able to purchase my first house, a townhouse end unit condo in the same neighborhood I was renting in. (I will say that the housing market is odd in Juneau, Alaska, and I paid more in rent than I do for my mortgage.) In showing restraint, and giving reasons for why I didn???t always participate in fun group activities, one of my other friends has also found the motivation to change his ways and actively work to pay off his credit cards and live without finance charges. Another friend has taken a serious look at her financial life and is also making some positive changes. Being able to pay off my credit card today is probably a day I will celebrate as an annual holiday for a few years. It???s kind of a big deal. And I'm not even ashamed I'm a little weepy.

Tuesday, 17 November 2015

DIY Wooden Stocking Door Hanger

Disclosure: This post is sponsored by The Home Depot. All opinions are my own.

Make your own DIY Wooden Stocking Hanger! Register for a #DIHWorkshop at The Home Depot!

I am looking forward to hosting another DIH Workshop at The Home Depot this week! As I recently mentioned, this time I’ll be hosting in Chattanooga at the Hixson location on Thursday, November 19 from 6:30-8pm. You can REGISTER HERE for a free workshop near you! We will be learning how to make a DIY Wooden Stocking Hanger, and today I’m sharing a tutorial for the customized version of this project that I made. I created a white and gold striped DIY Wooden Stocking Door Hanger with a chalkboard front, and I’ll walk you through exactly how to do it.

Supplies you’ll need for this project:

Make a DIY Wooden Stocking Hanger!

  • 1 – 24″ x 48″ sheet of sanded plywood
  • 1 – 1″x4″x6′ pine board
  • 1 pack of 1 1/2″ 4D Bright Steel Finish Nails
  • Hammer
  • Wood Glue
  • Jig Saw
  • Miter Saw or Circular Saw
  • Yard Stick
  • Tape Measure
  • Pencil
  • Clamps
  • Sanding Block
  • Picture Hanging Kit/D-Rings or Command Strips
  • White Chalk Finish Paint
  • Metallic Gold Spray Paint
  • Painter’s Tape
  • Rust-Oleum Chalkboard Paint
  • Paint Brush
  • Chalk
  • Cordless brad nailer and 1″ brad nails (optional)

First, use your yard stick and pencil to create a grid of 2″ squares on your plywood sheet. (I recruited a cute 7 year-old to help with this part.)

Make a DIY Wooden Stocking Door Hanger!

Next, use the grid as a guide and draw a stocking shape, making it at least 6 inches (3 squares) wide and 18 inches (9 squares) long. Mine ended up being 8″ wide across the top and about 18 1/2 inches long.

Make a DIY Wooden Stocking Door Hanger!

Cut out your stocking shape with a jig saw.

Make a DIY Wooden Stocking Door Hanger!

Make a DIY Wooden Stocking Door Hanger!

Use a sanding block to smooth out all of the rough edges.

Next, use a miter saw or circular saw to cut your pine board down to the following specifications:

  • 2 side pieces at 3 1/2″ long
  • 1 front piece at 7 1/2″ long (Modify to fit the width of your stocking)
  • 1 bottom piece at 6″ long (Modify to fit. Should be 1 1/2″ shorter than your front piece.)

Make a DIY Wooden Stocking Door Hanger!

Build your U-shaped box by attaching the boards with wood glue, hammer and nails.

Make a DIY Wooden Stocking Door Hanger!

Make a DIY Wooden Stocking Door Hanger!

Paint your stocking and your box white using chalk finish paint or latex paint — whatever you like best. After your paint has fully dried, use painter’s tape to create 2-inch wide horizontal stripes across your stocking. Measure and overlap the tape if necessary to make sure the stripes are 2 inches (or whatever width you prefer). Your bottom stripe might not be 2 inches — that’s ok!

Make a DIY Wooden Stocking Door Hanger!

Spray paint the stocking with metallic gold paint — I recommend two coats, and peel the tape off after your second coat has dried.

Make a DIY Wooden Stocking Door Hanger!

Now for the box:

Tape off a rectangle shape on the front of your box. I made the sides of my rectangle the same width as my tape, and the top and bottom of the rectangle half the width of the tape by folding it over. Paint with two coats of Rust-Oleum chalkboard paint.

Make a DIY Wooden Stocking Door Hanger!

Peel the tape off while your second coat is still damp. Note: After your chalkboard paint fully dries (I would give it a couple of days to cure), season it by rubbing the side of a piece of chalk all over it and then wiping it clean with a damp cloth. Then it will be primed and ready to use.

Make a DIY Wooden Stocking Door Hanger!

Now it’s time to attach the box to the front of your stocking! For this step, place your box face-down on your work surface, and lay your stocking face-down on top of it. Position it as straight as possible, and then hammer and nail it in place from the back. Optional step: I used my brad nailer and a couple of brad nails to attach it first so it would be held in place and not shift while I hammered my fastener nails in.

Make a DIY Wooden Stocking Door Hanger!

When you’re finished, add picture hanging hardware or Command strips to the back, and hang! This would look great hanging on a mantel, or on the front door as I’ve hung mine!

Make a DIY Wooden Stocking Door Hanger!

Make your own DIY Wooden Stocking Hanger! Register for a #DIHWorkshop at The Home Depot!

CLICK HERE TO REGISTER for a free DIH Workshop near you, and learn first-hand how to make one of these DIY wooden stocking hangers! It’s going to be so much fun. I hope to see some of you in Chattanooga!

Will you be heading to a DIH Workshop this week?

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You can also connect with me here:

Thanks for visiting!

-Erin

The post DIY Wooden Stocking Door Hanger appeared first on DIY on the Cheap by Erin Spain.

Thursday, 12 November 2015

Debt Free in One Year

I had always been taught to save my money, but never learned to effectively budget. I avoided debt as much as possible and even paid off $25,000 in student loan debt in 1.5 years after graduate school. I never had credit card debt in my 20s and would always pay off my monthly bills. I thought I was good with money until I started an expensive habit of ballroom dancing at the age of 29. I loved dancing, but quickly racked up $10,000 in credit card debt because I was spending money I didn't have and not using any kind of budget. I also made a hasty and bad decision to get braces at the age of 30. I was initially told that insurance would cover half the cost of the braces, but after I had them put on, I found out nothing was covered because I was an adult! I was so mad at myself for creating so much debt at the age of 30, thinking I should have known better. This was not the way I wanted to start my 30s. I looked for budgeting solutions but could never find the right one and would still spend more than I had. One day at work, a coworker happened to mention a book she liked, which was the Total Money Makeover. I looked up the book and bought it online. Once I got the book, I read it in two days and loved every page. I reread certain chapters because they were such good advice, I desperately needed. I found a great budgeting tool and started my debt snowball. I used the phrase "gazelle intensity" every time I was faced with the option of buying something. I worked a second job of housesitting to earn extra money. Within a year of my 30th birthday, I had completely paid off my debt. At the age of 31, I am now completely debt free and I paid off my final credit card bill the day before my birthday. It was the best present I could have ever given myself. I am now saving for a used (not new because they lose value, like Dave says!) car. I am so excited to soon be able to buy my car! Anytime anyone brings up leasing a car, the first thing I say is "a lease is a fleece." I am so grateful for Dave's amazing book that inspired me to work hard to change my life for the better. The guilt and anger towards myself is gone!

Schoola: $20 sign-up credit, free shipping, plus an extra $11 credit after first purchase (today only)!

Screen Shot 2015-11-11 at 5.10.44 PM

Today only (November 11), Schoola — an online consignment shop that offers gently used clothing for women and children — is offering an $11 credit when you spend at least $11 out of pocket. (The $11 credit will be valid starting on December 1, 2015.)

On top of that, they are still offering their $20 sign-up credit for new members, plus free shipping on all orders!

Here’s an easy scenario for you to combine these two offers for a great deal:

  1. Sign up with Schoola to get your $20 new member credit.
  2. Purchase around $31 worth of clothing.
  3. Shipping will be free.
  4. You’ll pay $11 out of pocket, and get $11 back in credit to use on future purchases.
  5. It’s like getting $31 worth of clothing completely for FREE!

Also — if you’re an existing Schoola member, be sure to log-in and share your referral link with your friends so that you can earn $20 when they sign up!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)

5 Ideas to Simplify Christmas & Save Your Budget

5 ways to simplify Christmas

Guest post from Crystal of Serving Joyfully

Simplifying Christmas is important to us because of our family values, but also because of our tight budget. If you’re in a position where you need to (or just want to) simplify Christmas, here are a few tips that have worked for us.

If you get nothing else from this post, know this: You can simplify your Christmas and still make it meaningful.

1. Remember the “Reason for the Season”

If you are a Christian, the reason for the season is the birth of Christ. It doesn’t have to set your budget back to celebrate Him, or even to show love and kindness to those around us.

I didn’t grow up in a Christian home, but I did grow up in poverty. Christmas to us wasn’t about gifts or fancy things. It was about family, traditions, time together, and memories — all of which are free!

2. Celebrate with Kindness

Random Acts of Kindness (RAK’s) are a great way to celebrate Christmas, and they don’t need to be expensive.

There are so many things you can do for others that are free, or very inexpensive, and this is a great way to remind ourselves and our children to focus on others. Charity work can be a great way to celebrate the season together.

3. Simplify Gift-Giving

Wishlists these days seem to have gotten out of control. If you feel the same way, here are a few great ideas to simplify gift-giving:

  • Model gift-giving after baby Jesus who received 3 gifts from the wise men.
  • Base gifts on the following: something they want, something they need, something to wear, something to read. I love that little rhyme, and I think it makes for a very balanced Christmas list.
  • Consider purchasing classic gifts that will last and be valued for years, as opposed to trendy gifts that children will probably lose interest in quickly.
  • Exchange names for larger groups and parties — meaning you only need to buy 1 gift to exchange instead of multiple gifts for everyone.

4. Get Creative

You know the saying, “It’s the thought that counts”? Well, it’s true — and sometimes a handmade gift can be the best because you can give a thoughtful gift and save money at the same time.

With the plethora of handmade gift ideas available on Pinterest, you are sure to find some that fit your taste and talents.

One year, I made goodie baskets for my extended family. Each family got a basket filled with nicely packaged homemade baked goods, cookies, candies, etc. It was, in part, because we were strapped for cash. Everyone loved them and said that’s what they wanted from us every year!

5. Focus on Making Memories

One of the most important things about the holiday season is to make memories with the people you love! Baking Christmas cookies, looking at Christmas lights, watching Christmas classics as a family, reading books, making crafts, decorating ornaments… these memories will live on long after their favorite toys have “died”.

Spend time together celebrating the wonder of the season!

How will you simplify your budget this holiday season?

Crystal blogs at Serving Joyfully where she shares about her debt-free journey, real food, marriage, and the adventures of homeschooling her two rambunctious boys. She is the author of the Homemaker’s Quiet Time Journal and Intentional Marriage: A 31-Day Devotional to love your husband well.

photo source

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