Archive for the ‘budget’ tag
August 4th, 2014 at 10:10 am
By Kim Ross
Wouldn’t you like to stop worrying about your finances? Making a plan and getting organized will help you understand your financial situation and lower your stress. I am constantly amazed at how many people find a budget so difficult to manage. Even people with an endless income can use a budget to manage their money and keep track of their spending and saving.
Here are some ways to get organized in the money department:
Create a budget. List all the different categories that you may spend money on. I like to get more specific but others do well with general categories. Take control of your money and assign realistic amounts to each category. Pay attention to categories that you have some control over and can use coupons or specials savings on ~ Eating out, groceries, utilities, and clothing.
Set goals for your finances. Think about what you want to accomplish over the next year, 5 years, or even more. Set up ways to save for those goals. It is great to get the kids involved in these ideas too. Also think about retirement and what you want to accomplish savings wise.
Set up a way to keep track of your finances. This may be done online, through spreadsheets or apps, or with pen and paper in a finance journal. Find what way works best for you.
Search online for ways to save and organize. There are tons of coupons and saving strategies available on the Internet. Most companies have some sort of loyalty program, app, or newsletter signup where you can be alerted when there are savings available. When making a big purchase, do research online to find the best price possible. Buying pre-owned or used items such as furniture, cars, etc. can cut prices significantly. Create a “savings strategy” and stick to it. I.e. Every week you clip the newspaper coupons, do an online search and print, and organize your coupons in a booklet or folder so it’s readily available when you shop. Set up an email account just for savings, and have all your newsletters and coupon emails in one place.
Make sure your family is on board. Make sure everyone is part of this process. If you are the only one trying to save money, the other family members will still make trips out to eat, keep the lights on in unused rooms, and plan extravagant vacations. If you are all on task, more money will appear in your savings and all your financial dreams will come true!
How do you manage your money?
March 14th, 2014 at 9:55 am
By Kim Ross
- Office supplies
- Fitness equipment
- White sales of linens, towels, etc.
- Cell phones
- Golf clubs
- Gardening Tools
- Winter gear
- Digital cameras
- Warm weather clothes
- Party Supplies
- Sneakers & athletic apparel
- Outdoor furniture
- Dishware & cookware
- Power tools
- Home decor
- Kids clothing
- School supplies
- Fall fashions
- Yard equipment
- Camping supplies
- Shrubs & trees
- Winter gear
- Auto supplies
- Wedding dresses
- Everything (Black Friday)
- Toys & electronics
- New model cars
Sometimes, waiting a little while until an item goes on sale can yield big results! What do you like to wait for to get the best price?
Kim Ross also writes at A Little Bit of This and That ~ The Adventures of a Stay at Home Mom.
June 26th, 2013 at 3:09 pm
Most little girls dream of being a Princess. Nothing is more glamorous than beautiful ball gowns, jeweled tiaras and everything else that comes with being “royalty.” Disney is famous for it’s variety of princess films and products…there’s a princess for every personality!
While it seems like all the trimmings can add up to a lot, a princess party can be done on a budget! Follow these tips and tricks for an unforgettable fairy tale she’ll remember forever.
We used two backdrops, one of the Disney princesses and one of Cinderella’s castle. We also took pink and purple tissue paper and made pomanders that we hung from the ceiling…here’s a great tutorial for making them. Crepe paper streamers, flowers and additional ceiling decorations put on the finishing touches!
We went simple and ordered pizza, but there are tons of foods you can make yourself for the kids…chicken fingers, mozzarella sticks, hot dogs and finger sandwiches are all quick and easy. For dessert, we used tiered cupcake stand and filled it with pink and purple frosted cupcakes with crown decorations.
We had all the little girls come dressed up as their favorite princess, and the first thing we did was give princess makeovers with face paint! Other games we played were freeze dance and pin the lips on the frog prince.
When it comes to the princess party, it’s all about the extras! The kids’ favorite part was the candy buffet, where we gave out empty goodie bags they could fill! Each child received their own personalized teacup drink container and pink chair to take home! Tiara rings were used as napkin holders and acted as favors as well. They also went home with a goody bag full of stickers and novelty items. We kept everything within the pink and purple color scheme so that it all came together. We even had a friend dress up as Belle and take pictures and play games with the kids!
When in doubt, use your imagination!