ThredUp: Children’s Clothing Swap

      Buying clothes for kids can get expensive! I will never forget when my nephew grew twelve inches in twelve months. Kids just grow so fast most of the time they don’t have a chance to wear anything out. Dress clothes are so expensive, and many time kids will only wear them a few times before they have outgrown them. When my kids were young we made use of the local consignment store. There is a new type of consignment store, and it is online. Many people are saving money Read more [...]

Know and Understand Your Credit Cards Rates

  Change is a fact of life. You must understand how, why, and when the rates change on credit cards because it can save money.   Promotional Rates. Promotional rates are temporary rates because the credit card company is wanting to get you to use their card. They are usually special deals with a card you already have or promotion to get a new card. Make sure to find out: Exactly when the low rate will expire. Especially if you are using it to pay off debt with the low rate. What Read more [...]

Start with These Family Budget Guidelines and Tweak them to fit Your Needs

    Setting up a budget for the first time is a very difficult thing to do. How do you begin to figure out how much you should have for each category? The whole purpose of a budget is to have spending habits in control and if needed bring them back into line, right? Keep in mind adjustment need to be made regarding different factors like where you live in the country. Housing cost is not the same in Mississippi as they are in New York. There is no perfect combination. With that in mind Read more [...]

Couples Going Through a Divorce PLEASE Explore All Options Regarding the Property You Own

    The following tips will help couples who are going through a divorce explore all options, and aid them in making decisions based upon the best outcome for all involved:     Determine the value of the home, and what equity (or loss) will be split if it is sold. Determine if it makes sense to jointly retain the property for a pre-determined period, and: Allow one spouse remain in the home until it is sold Lease the home to a 3rd party Determine if it makes sense Read more [...]

Economic Reality of Divorce

  How does the income that ran one house now run two? It does not and that is a fact that must be accepted. Life after divorce is financially demanding. Most research shows that a person needs more than a 30% increase in their income on average to maintain the same standard of living. About one in five women fall into poverty, and three of four parents do not receive child support in full on a regular basis. A man’s standard of living goes down on average 10% to 40%. Here are two things that Read more [...]

Money Savers and Feeding a Family for Under a $1 a Serving

  Super Saver Erin Libranda yearly grocery budget is $800. That is not only for her, but her entire family including her three children and two dogs. Eating out is obviously not an option for this family. She spent many hours in the kitchen trying to come up with healthy good food that her family would enjoy. She has many recipes that are under $1 a serving. Her facebook page is Erin Libranda (Super Saver) the new money savers and freebie seekers! Let's all start finding free stuff, saving Read more [...]

Kids and Money

      Most children think parents have an endless supply of money. When my oldest was around seven, I told him I didn't have money for the toy he wanted he looked at me totally confused and said "but you have all those checks." I realized it's more difficult for children to understand the value of money than it was when I was a child. We learned about money at school and at home. People used the real currency that we held in our hands not piece of paper we wrote the amount on Read more [...]

22 Ideas for Those Little Pieces of Soap

    My ex-husband is a pilot, and I asked him to start bringing home hotel soap for a project I needed to accomplish with my children. He got into the habit and over the years we found many uses for those little soap bars. At the time of the divorce we did have a rather large assortment of hotel soap, I got custody of in the divorce. Just about every household has to deal with small leftover pieces of soap and now, you need to stretch the budget a bit. Stop tossing and start collecting Read more [...]

Saving $5 Dollar Bills and Pennies from Heaven

  Phase 1: The Daily Budget   Sticking to your budget and saving money doesn’t have to be hard or boring. You have already created your budget, and you know how much disposable money you have between each check. The first step is to remove any credit or debit cards out of your purse or wallet.   If your paycheck is weekly prepare 7 envelopes, if there are 14 days between checks get 14. Now divide the money into equal amounts for each envelope. If you have implemented the Read more [...]

Dissolution of a Financial Enterprise

Let’s talk business: marriage is the formation of an enterprise, a merger of two separate, entities with equal rights. And a divorce is, dissolving a business deal gone badly. You have to deal with your joint assets and assess your individual financial situation. Seeing marriage from a monetary perspective might seem cold and unfeeling, but it’s a matter of life we all have to deal with. As you had to adapt your finances when you married, so will you need to do it again during and after your Read more [...]