Archive for the ‘Money & Finance’ Category

Freebie Friday August 22, 2014

Friday, August 22nd, 2014

freebie friday Happy Freebie Friday, everyone! We would like to thank Couponing 101 for assisting us with our freebies each week for loads of deals, savings, and freebies!

This week on MomAdvice you’ll find a super easy way to preserve your own pickles from our food contributor, Diana -canning made simple with refrigerator pickles. I’m sharing one of my go-to breakfasts during the school year, make ahead breakfast burritos and I have a great new interview on Sundays with Writers: Mary Kubica talking about her book, The Good Girl. On this week’s edition of  It’s the 3 Little Things I’m sharing what’s making me happy and hope you’ll share yours, too!

Our regular feature,  Amy’s Notebook, is of course filled with lots of inspiring DIY, food, decorating and craft ideas, and be sure to check out all the contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty
Food & Drink
Entertainment
This Week’s Freebie Events: August 23 - 29
23rd - Barnes & Noble: Join Storytime featuring Cars and Trucks and Things That Go, 11 am
23rd - Lakeshore Learning: Create a Silly Faced Magnetic Note Holder, 11 am – 3 pm
23rd - Lowe’s: Build a Monsters vs. Aliens Robot, 10 am
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Apron Full of Giveaways 08.19.14

Tuesday, August 19th, 2014

Mint flowered apron via Etsy

Source: Creative Chics,  $40.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Freebie Friday August 15, 2014

Friday, August 15th, 2014

freebie friday Happy Freebie Friday, everyone! We would like to thank Couponing 101 for assisting us with our freebies each week for loads of deals, savings, and freebies!

This week on MomAdvice we have two contributor articles where you’ll find parenting tips and money tips – Mary Carver writes about how to encourage your child’s creativity and Kelly Whalen asks “can debt be good?” You’ll also find my announcement of a fun back to school pinterest party this Sunday where you could win BIG prizes – click here to get the details! On this week’s edition of  It’s the 3 Little Things I’m sharing what’s making me happy and hope you’ll share yours, too!

Our regular feature,  Amy’s Notebook, is of course filled with lots of inspiring DIY, food, decorating and craft ideas, and be sure to check out all the contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty
Food & Drink
Entertainment
This Week’s Freebie Events: August 16 - 22
16th - Barnes & Noble: Join Storytime featuring Pete the Cat and the New Guy, 11 am
16th - Lakeshore Learning: Create a Blooming Numbers Garden, 11 am – 3 pm
16th - Michael’s: Make a Locker Picture Frame Out of Duct Tape, 12 – 3 pm
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Back-To-School Pinterest Party

Tuesday, August 12th, 2014

Back to School Party on Pinterest! Get great DIY ideas and a chance to win fun prizes.

It’s school time and I’m excited to be hosting a Back to School Pinterest Party with 12 other talented DIY bloggers this Sunday and YOU’RE INVITED!

 

What is a Pinterest Party?

It’s a fun night of doing one of our favorite things… pinning!! Each party host will be pinning their BEST Back to School Ideas on the DIY Creative Ideas board so you can get great ideas all in one place! There will be crafts, teacher gift ideas, fashion, hair styles, recipes, organization tips, parenting tips, free printables, photography tips, party ideas and more!

You’ll want to be there to repin and save your favorite ideas. The BEST part is, we’ll be giving away some awesome party prizes throughout the night. You won’t want to miss the fun!!!

  • When: Sunday, August 17, 2014
  • Time: 6-7 pm PST, 7-8 pm MST, 8-9 pm CST, 9-10 pm EST (Make sure to show up in the correct time zone!)
  • Prizes: There will be 4 awesome party prizes!

You must follow the directions on the giveaway widget below to RSVP and be entered to win the giveaway prizes.

Back to School Party on Pinterest! Get great DIY ideas and a chance to win fun prizes.

IMPORTANT: You MUST be present to win. We will be announcing winners LIVE on Pinterest.

Joining the Party is Simple…

  1. Click here –> to Follow the DIY Creative Ideas Pinterest Board.
  2. Follow the party hosts on the widget below to RSVP and be entered to win the party prizes.
  3. Show up online at the DIY Creative Ideas Pinterest Board, Sunday, August 17th at the correct time for your time zone.
  4. Repin your favorite DIY ideas, leave comments and have fun!
  5. Be present and watch to see if your name is announced as a winner!
  6. If you win a prize – you must claim your prize in a comment under the announcement pin so we know you are at the party. We’ll give the winners 5 minutes and if nobody claims it, we’ll assume you are not there and will choose another winner.

Looking forward to seeing you at the party! Be sure to invite a friend:-)

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Can Debt be “Good” Debt?

Tuesday, August 12th, 2014

From our money & finance contributor, Kelly Whalen.

Debt is a four letter word for many of us. We don’t want to carry debt. We don’t want to owe money to anyone. We work hard to eliminate debt and keep ourselves from going into debt through careful spending and strategic saving. But is there ever a time when debt is good? Can it help us meet our goals?

Can debt be good debt via MomAdvice.com

Mortgage Debt

While it would be lovely to buy a home outright, for most of us a little mortgage debt is necessary. Mortgage debt can be considered ‘good’ debt since the mortgage interest is tax deductible, mortgages allow you to settle into a home (and community) for a long period of time, and it offers you a stable monthly payment for your housing.

In the boom of the 2000s when mortgages were cheap and houses were expensive everyone was buying a house whether it made financial sense or not. Now the market has stabilized somewhat and in many housing markets it’s a great time to buy. You can find a home for much cheaper than you can rent in the same community. In addition, you may be able to build value by buying a home that has been foreclosed or needs some TLC.

Already own a home? Consider that debt to be a stable ‘rent’ you’re paying each month. You’ll get to live ‘rent’ free once your mortgage is paid off allowing for a lot more flexibility than an actual rental home.

If your home is underwater or you owe near what it’s worth consider your options when it comes to housing. Could you refinance and save on monthly payments? Could you pay it off faster with a shorter term mortgage? Would a short sale make sense for you financially? In some cases it may still be cheaper to stay in your home than move and pay for a rental home.

Education Debt

Americans owe over a trillion dollars in student loan debt, and student loan debt now tops all other forms of debt. While there is a cautionary tale here about not going too deeply into debt for your education, there are times when student loan debt is ‘good’ debt.

Education debt can be a smart financial move if you want to go into certain careers like becoming a doctor or lawyer. Mastering certain skills may require higher eduction as well. In addition some careers or jobs benefit from the networking that happens on a college campus.

Beyond college-aged kids though, there are other reasons you may go back to school as an older student. You may have had a life issue interrupt your schooling at the typical college age, or you may go back to school for a higher degree like a Master’s in Education. In these cases you may get some help from your employer to cover school costs or qualify for different grants and scholarships than younger students.

Earning a degree may be expensive but if it allows you to improve your income and offers you more stability in your career, then the benefit can outweigh the costs.

Car Debt

In most cases automobile loans are ‘bad’ debt, but in some cases a reliable car is a necessity and can help you earn a better income. If your job relies on a car, then having a set of wheels and good insurance is key to maintaining that job. In many suburban areas a lack of public transportation, reasonable transportation options, or safe walking and biking lanes can keep you from commuting to your job via an alternative method (you can read more about saving with these alternative methods of transportation here).

While saving and paying cash for a car is ideal, in some cases taking on car debt instead of spending all your savings may make sense. Just be sure when you’re weighing the cost of a new or newer used car versus something you can buy outright you take into account the maintenance needed or cost to own.

Other Debt

When you’re weighing whether debt is ‘good or ‘bad’ you need to take into account four things:

  1. Is your current debt-to-income ratio less than 35% (at the high end) or 25% (a more conservative balance)?
  2. Will the debt increase your earnings or earning potential?—Earning more can make a big impact on your bottom line.
  3. Is the reason you’re adding debt a need? Or a want?—Can you find a reasonably less expensive alternative?
  4. Are there other options that are less expensive but still provide what you need?—Would a local college give the same experience as an expensive university?

Do you think there is such a thing as good debt and bad debt? What do you consider to be ‘good’ debt?

 

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Apron Full of Giveaways 08.12.14

Tuesday, August 12th, 2014

Mommy and Me Pink Flamingo Aprons via Etsy

Source: Mchughties,  $52.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Apron Full of Giveaways 08.05.14

Tuesday, August 5th, 2014

Retro drink apron via Etsy

Source: Swizzlestix,  $28.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Freebie Friday August 1, 2014

Friday, August 1st, 2014

freebie friday Happy Freebie Friday, everyone! We would like to thank Couponing 101 for assisting us with our freebies each week for loads of deals, savings, and freebies!

This week on MomAdvice I think you’re going to love this refreshing summer salad from our food contributor, Diana. I’m also sharing a gluten-free lemon cake that’s to die for and how I transformed a corner of a room in our home with lots of tips you can use, too. On this week’s edition of  It’s the 3 Little Things I’m sharing what’s making me happy and hope you’ll share yours, too!

Our regular feature,  Amy’s Notebook, is of course filled with lots of inspiring DIY, food, decorating and craft ideas, and be sure to check out all the contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty

Nivea Lotion Sample
Emergen-C Sample 
Garnier Clean+ Sample

Tums Ultra Chewable Tablets Sample
Suave Professionals Natural Infusions Sample
Hugo Boss Men’s Fragrance Sample
Hugo Boss Women’s Fragrance Sample
Schiff Move Free Ultra Sample

Food & Drink

Truvia Natural Sweetener Sample

Entertainment

Free Natural Beauty Mini Magazine

Pet

Timberwolf Organic Dog Food Sample

This Week’s Freebie Events: August 1 – 7

1st - Barnes & Noble: Enjoy Storytime, Sing-Along, Crafts, and Activities with Olaf, 7 pm.

2nd - Long John Silvers: Free Fish and Fries, 11 am – 3 pm.

2nd - Home Depot: Build a Mini-Crate Pencil Holder, 9 am – 12 pm.

2nd - Lakeshore Learning: Create a Personalized Door Hanger, 11 am – 3 pm.

2nd - Barnes & Noble: Celebrate Marvel Day with activities and giveaways.

2nd & 3rd - National Museums: Free Entrance to Museums for Bank of America Card Holders.

 

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Apron Full of Giveaways 07.29.14

Tuesday, July 29th, 2014

Owl apron via Etsy

Source: Creative Chics,  $50.00

 

Welcome to our Apron Full of Giveaways! I hope everyone is having a great week this week! As we do each week, here is our round-up of giveaways for our readers. We hope that this is beneficial to you and your family! Please let us know if you guys win anything- I love to hear the success stories!

Below are the contest links-if you are hosting a contest please link it up below. Sorry, we are not giving away the aprons just showcasing them! Please put your site name and then what type of contest you are hosting. For example, “MomAdvice (Kid’s Movies).”

Good luck to each of you!

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Freebie Friday July 25, 2014

Friday, July 25th, 2014

freebie friday Happy Freebie Friday, everyone! We would like to thank Couponing 101 for assisting us with our freebies each week for loads of deals, savings, and freebies!

This week on MomAdvice we have a fantastic craft from our DIY contributor, Sarah – DIY library tote bags with free printable designs, which are totally adorable! You’ll also find easy lunchbox solutions for the coming school year (oh, yes, I did just mention back-to-school!) and some fun dresser makeover ideas that will have you shopping at Goodwill asap. On this week’s edition of  It’s the 3 Little Things I’m sharing what’s making me happy and hope you’ll share yours, too!

Our regular feature,  Amy’s Notebook, is of course filled with lots of inspiring DIY, food, decorating and craft ideas, and be sure to check out all the contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty

L’Oreal Triple Resist Hair Care Sample
Origins GinZing Face Mask Sample
Emergen-C Sample
Schiff Move Free Ultra Sample
Nivea Lotion Sample

Food & Drink

Entertainment

Family Fun Magazine Subscription
Bird Nature Study Printables
Cats Preschool Printables
The Paleo Summer Survival Guide eBook Download
Beginner Soap Making: Simple Homemade Recipes eBook Download

Pet

Fancy Feast Broths Sample

This Week’s Freebie Events: July 25 - 31
26th - Lakeshore Learning: Create a Make & Shake Noisemaker, 11 am – 3 pm
26th - Lowes: Make a Turbo Taco Truck, 10 am

 

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