Remember to set those clocks back an hour tonight. This is a great time to change the batteries in your smoke detectors, and flip those mattresses. Another thing we do is check our emergency kit supplies (enough batteries, drinking water, etc).
For those of you, who have made the resolution to save money in 2020 here are some great and FREE printables to help you do just that. I have 4 different printables to help you on your journey, pick one or all four, they are all FREE! I have shared this painless yet effective way of saving money for the past several years on my website. I also hand these out to attendees of my budgeting workshops. I included a few different ways of doing this plan, as each person has different circumstances to work with.
The idea behind the 52 Week Money Challenge, is that by the end of 2019 you will have put aside $1,378!!! The first week, you put $1 into your savings account, jar, envelope, whatever method you choose. The 2nd week, $2, the 3rd week $3, and so on. OR start the money challenge in reverse: 1st week put in $52, 2nd week $51, 3rd week $50, etc… There are so many different ways to do this. This can be done with any budget and I want you to be successful! Here’s to a great and prosperous 2019!!
7 Household Items You Can Throw Away RIGHT NOW
Many people do not realize how much worthless clutter they are holding onto. It is important to take a clutter inventory and get a true idea of what you have, so you can effectively let go of what you no longer need. Listed below are 7 household items you can throw away right now, to make room for the things you actually need. Are you ready to take inventory, start tossing, and enjoy a clutter free space? Here is what you need to know.
1. Paper bills
With the ability to view and pay bills digitally, there is no reason to clutter your counters with paper bills. So enroll for paperless billing and online bill pay, and save yourself the mess. Not only does online bill pay keep your counters clean, sometimes you will get a discount for going paperless, and it helps the planet as well!
2. Mismatched Plastic Containers
When is the last time you rummaged through your storage containers and saw what actually still fits and matches? Take a few minutes to go through your plastic storage containers and match the pieces up. Then, get rid of the pieces that no longer have a mate.
3. Broken plastic items
This seems like a strange category, right? But let me explain! How many broken plastic hangers, laundry baskets, storage containers, and utensils do you have around the house? Just take a look, you might be surprised how many of these items you have. It is time for these items to go! Toss those broken items into recycling and stop allowing them to take up space.
When was the last time you checked the expiration dates on your toiletries? Go through the shampoo, conditioner, perfumes, lotions, and makeup and check items to see which ones are no longer safe to use. Check the expiration dates and toss out any items that are no longer current.
For some reason, people have a hard time throwing magazines away. It could be the recipes or DIY project tutorials inside, but there is an easy solution for that. Simply tear out the recipe or tutorial you are interested in and toss the rest of the magazine into the recycling bin. Remember most magazines also share this information online, so should you need to reference it later you will be able to find it online.
6. Expired food and medication
When is the last time you went through your cabinets to check for expired food and medications? Just like you check through your toiletries, you should check through your kitchen and medicine cabinets. Get a garbage bag ready and get rid of any and all items that are expired. Food items can be safely tossed, but call your local pharmacy and ask how to properly dispose of expired medications.
7. CD’s and VHS tapes
Ask yourself if you will honestly listen to or watch these cd’s and vhs tapes again. If they are special family tapes or events, you can always have them transferred safely to DVD. Otherwise, just plan on streaming your music and movies so you can enjoy them without them taking up any room.
It is time to take control of your house and clear away that clutter! Consider these 7 household items you can throw away right now. You might be surprised how freeing it feels to get rid of these items so you can start fresh in a clean and organized space!
Summer break seems like it only started yesterday, but in a blink of an eye the new school year is only a few weeks away! Here are a few awesome back to school tips for teens, and even the tweens out there! We will discuss ways to keep track of your school schedule, tips for studying more effectively, and more!
Start the year off on the right foot, and use these tips and tricks to survive the school year! These tips will help your kid out so much, if they implement them in their daily lives!
Schedule a Lock Screen on Phone
If your teen needs help keeping track of their schedule the first week or two of school, they should take a picture of their schedule, and make it their wallpaper on their lock screen. Then when they need to know what class is after Chemistry, they can easily click their home button and see their schedule! If phones are not allowed on campus, type up the schedule, place in a sheet protector, and place it in the front of their binder,
Study Right Before Bed
Having a big test can be so stressful on teens, especially if it the test counts as a huge percentage of their grade! Have your teen do one more study session for that test right before bed, it may help them retain the information better. Do this before they get too tired though, so they are still alert while reading over the information. I also quiz my son while driving him to school, on the days he has a test. Going back to school, means there are going to be a lot of opportunities using which you can develop more skills. Learning things by joining places which add on an extra skill such as kids music classes, swimming lessons, self-defense and many other activities such as these can only help you develop various skills along the academic year. This not only enables you to organize your life but also allows you to utilize all your time in an apt manner.
Control F Search Tip
When you are searching a document online, hit control F, and it will pop up a box to search a word. This is a great way to save time and find exactly what you are looking for in the document!
Pomodoro Study Technique
The Pomodoro Study Technique is pretty popular. It allows your kid to study for a select amount of time and than get a break. This is a great way for them to stretch, rest their eyes, and get their blood flowing. Plus when they come back to studying they will feel more focused.
- Study for 25 minutes, and then take a 5 minute break.
- Do this for 4 sessions, and than take a 20 minute break.
- If your student is still not done studying, repeat the process over again.
Scholar.Google.com Vs. Google
When your child needs to research on the internet, have them use Scholar.Google.com versus regular Google. This will bring up articlesand journals that you can cite as sources in your work! Saves a lot of time!
Color Code Notebooks
To save time searching which notebook is which for each class, take a sharpie and color code your notebooks. Have a different color for each subject: green for science, red for literature, blue for history, etc!
Set Out Clothes Night Before
Does your child struggle with getting out of bed on time, having their whole outfit set out, along with their backpack, and lunch packed. That way if you they are in a rush, they will not be scrambling trying to find clothes as they rush to get out the door in the morning. Water guns and air horns also help get those that struggle to get up in the morning, not that I have ever done that to my son ;).
Take Good Notes
When it comes to studying, it has been proven that taking the time to write notes during classes and lectures can improve a students grade. This may actually help them memorize things easier, and then make flash cards to study from and let family members help quiz the student. This way your student hears the information, writes the information, and then recalls the information while being quized.
Hit The Hay
Keeping your student focused also means getting in a good nights sleep. Set a bedtime and stick to it throughout the school year, and try to sleep well through the night. Provide a quality bed and pillows, a cool and quiet environment, and some students like to have soothing classical music to listen to as they go to sleep. Students will be more focused in the morning, able to retain more during classes, and feel more energized.
Spring is here, and that means gardening is on the horizon. When the temperatures start warming up, and the last frost comes and goes, you can pull out your seeds and plants and start your garden for the season! If you plan to do a garden but want to do so on a budget, check out these great tips and tricks below. Gardening is a great way to enjoy fresh produce without having to go to the store, but it can be expensive over time. Implement these handy tips and keep your budget in check!
Effective and Easy Ways to Garden on A Budget
If you are new to gardening, my biggest tip is to start small. Whether you grow a few of your favorite fruits or veggies, or just want to plant a few stunning flowers in your front yard. Start small and grow with each year. Do not stress yourself out with having a massive garden the first year.
Vegetables and flowers are cheaper when you buy seeds instead of plants. Talk to any of your friends or neighbors and see what plants and flowers they have had success with in your area My neighbor has the most beautiful yard, so he would be the first person I would ask, before heading out to buy anything for my yard. Once you have decided what you want in your yard, head to the store and buy the seeds you need. Most seeds do not have to be started indoors to start their growth. You can almost always plant them straight in the garden which can be a huge time and money-saver.
However, if you are going to want to start your seeds indoors, save back any containers you use throughout the year. Whether it be cottage cheese, butter, or salad containers, they will all work great for tossing in some soil and plants to help those seeds sprout indoors. This will save you from having to buy seed starter packs. You can even cut down milk jugs or soda containers to make them work as a seed starter.
Swap Seeds With Other Gardeners
Chances are you will not use a whole packet of zucchini seeds in your garden or other flowers or produce. Consider talking to friends and neighbors and swap your half packages for one of their half packages. It helps cut down on money spent, and you still get a variety. Or, if you know a friend plants from seeds make a list of what you both plan to plant and then split the cost of the seeds and share.
Some plants like carrots, radishes, and other flowers and produce thrive in acidic soil. Save back your leftover coffee grounds and mix them into the soil a few days before you plant your seeds. If you are not a big coffee dribker, check with your local coffee shop to see if you can get their coffee grounds. I know a few of our local Starbucks locations gladly offer their customers their coffee grounds for this exact reason. Coffee grounds are a natural way to help fertilize the soil. There are also some other great hydroponic plant food. Just make sure the plants you are planting like the acidity or it could have an adverse reaction on their growth.
Homemade Weed Killer
Don’t spend $30 on a bottle of weed killer, make your own using vinegar. Simply take a spray bottle and pour in white distilled vinegar. Then spray this on any weeds that you find sprouting up. Try to do this on a hot sunny day, and you might have to repeat the process. Just make sure that you do not get this on your flowers or produce as it will kill them. This also works great for keeping the neighborhood deer out out of your garden. I love the family of deer that live in our neighborhood, but do not like them eating everything in my garden. I do not want to spray harsh chemicals on my garden, that might harm the deer, so I use vinegar instead.
Garage Sale and Thrift Stores
Be on the lookout when you go to garage sales this summer or head into a thrift store. Look for gardening supplies like tools, pots, etcetera . This is a great way to get the items you need without paying full price for them. If you buy planters, just make sure to wash them really well, just in case the plant that was previously in it had a fungus issue of some kind.
If you really plan to grow a garden each year, consider using homemade compost. You simply mix it around using peelings from fruit and vegetables, old flowers, grass clippings, egg shells, fallen leaves, sawdust, and small twigs. You then mix it all together and let it sit and compost. Then next year you will have homemade compost. I however, have a dog who eats everything (ask my vet), so I am unable to do this.
What are some gardening tips that you like to incorporate to save money each year?