Archive for the ‘Money & Finance’ Category

Apron Full of Giveaways 07.01.14

Tuesday, July 1st, 2014

Pink flower apron via Eclectasie

Source: Eclectasie,  $35.00

 

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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8 DIY Vintage Suitcase Projects

Monday, June 30th, 2014

DIY-Vintage-Suitcase-Projects-Collage Suitcases are one item that you can always find at Goodwill. With that in mind, today’s post showcases 8 ideas for ways you can use vintage suitcases for your home. Whether you are upcycling the suitcases into new pieces or simply adding them to an empty corner in your home, suitcases can offer both beauty and storage to your home.

When my kids were small, I made a rainy day suitcase that was filled with items from Goodwill, craft supplies, and fun dollar store items that they used to look forward to when we were cooped indoors. I have long been a lover of this sweet item at Goodwill and after you see these ideas, I know you will too!

Check out these 8 DIY Ideas for Vintage Suitcases on the Goodwill Tips Blog!

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Freebie Friday June 27, 2014

Friday, June 27th, 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’m sharing a super easy and refreshing summertime treat, 3-Ingredient Watermelon Granita, a fun way to combine a history lesson with the 4th holiday (and make it a craft, too!) by Celebrating the 4th of July Heroes with Kids, and 3 Fun Dinner Ideas with McCormick FlavorPrint. Oh, and this incredible Raspberry White Chocolate Sorbet recipe from our food contributor, Shaina – seriously drool-worthy! 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 weekly notebook is again filled with inspiring reads, DIY, food, decorating and craft ideas, and you’ll want to check out the ton of 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: June 28 - July 4
28th & 29th - Barnes & Noble: Attend the Imagination’s Destination Hands On Learning Event, times vary
28th - Lakeshore Learning: Create a Summertime Memories Frame, 11 am – 3 pm
28th - Lowe’s: Build a Sheep Drop Game, 10 am
28th - Michael’s: Learn How to Create a Personalized Scrapbook, 12:30 – 2:30 pm
28th - Pottery Barn: Attend the Super Hero Celebration Event
28th - Toys R Us: Attend the Transformers Build & Demo Event, 12 – 2 pm
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Apron Full of Giveaways 06.24.14

Tuesday, June 24th, 2014

green polka dot apron

Source: Gramma May Handicrafts,  $46.86

 

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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Celebrating 4th of July Heroes With Kids

Monday, June 23rd, 2014

Celebrating 4th of July Heroes With Kids

As my children grow older, I strive to find more meaningful ways to celebrate holidays. The 4th of July has always been a burst of red, white, & blue through our home, but I can’t say that we have ever spent time together discussing the importance of this day and getting to know the heroes behind what makes the 4th of July so special. Today I want to share with you a fun way you can share about the 4th of July Heroes in your home and a fun way to incorporate their images in your home to make the day more meaningful and festive.

I partnered with Walmart on this project and all the materials you need for this can be found at their store.

To begin, you can select your 4th of July Heroes that you want to talk about. I found this great list for kids that I used to select our heroes to focus upon. I then headed to Wikipedia and found images of each of our heroes and converted them to black & white and saved them on my computer. If you would like to use the same heroes as us, here are the heroes we selected for our project.

George Washington

George Washington

Thomas Jefferson

Thomas Jefferson

Benjamin Franklin

Benjamin Franklin

John Hancock

John Hancock

Crispus Attucks

Crispus Attucks

John Adams

John Adams

Abigail Adams

Abigail Adams

Celebrating 4th of July Heroes With Kids

Once you have your heroes selected, head to the Walmart Photo Site and upload the images there. In addition to having 1 of each image printed in 4×6, also add 1 set of wallets for each person.  If you send these to the one-hour lab, it will be less than $6 for all of them. While you are there, you can also pick up a package of mini-clothespins, a set of notecards for your kids to write on, supplies for this easy flag bunting, and this burlap wreath to decorate with. Since I already had these things in our home, it helps cut down on cost and storage for us this year.

Celebrating 4th of July Heroes With Kids

Once you have your images, have kids select which person they are interested in discovering and have them find information about their 4th of July heroes. I challenged my kids to find one or two facts about each hero.  We also read about the first 4th of July and how different is from how we celebrate today.

I am embarrassed to say that I was learning right along with my children and soaking it all in as much as they were. Abigail Adams, for example, was one of our favorite people we learned about. Did you know that she had five kids that she cared for and homeschooled while her husband was away serving his country?  Not only was she passionate about women’s rights, but she was also passionate about equality for all people, whether they were black or white. She helped care for the soldiers in her home (feeding them and treating their injuries), and she even learned how to make her own gunpowder. Emily and I are big fans of Abigail Adams now and all she did for our country.

Celebrating 4th of July Heroes With Kids

Likewise, my son loved John Adams and his fun fact was that he thought his teachers, “held him back.” Despite being held back from his true potential in grade school, he passed his entrance exams to Harvard and his parents, who were farmers, gave up several acres of their own farm land to pay for John’s schooling. And, boy, did that pay off! John Adams strongly supported independence from Britain, signed the Declaration of Independence, and negotiated the treaty ending the Revolutionary War. He later became the nation’s first vice president and second president.  This led to a great discussion about recognizing our true potential when sometimes others do not.

Did you know that Dr. Martin Luther King referenced Crispus Attucks in one of his speeches? He held him up as an example of black patriotism at the beginning of our nation’s history. Yet, we never knew anything about what he did for our country. I’m so glad we know now.

Celebrating 4th of July Heroes With Kids
Celebrating 4th of July Heroes With Kids

If you have smaller kids, you can share simple facts and have them draw pictures. Clearly, the fact that Abigail Adams rocked it as a mom and had five kids was worthy of a picture. Make this time fun for your kids while acknowledging the sacrifices that so many gave up for our freedom.

Celebrating 4th of July Heroes With Kids

Once we were done discussing our heroes, I incorporated these pictures into our holiday decor. I pulled some of the flags off of our bunting and switched them with pictures of our heroes.  I took the items off of my burlap wreath and clipped the wallet images with mini clothespins on the wreath. I hung this in the center of our mirror and added the flag & hero bunting around the frame of the mirror.

Celebrating 4th of July Heroes With Kids

I love these touches to our 4th of July decorating, but I love even more that my kids know about these patriotic heroes.  I hope this idea inspires you to learn more about this holiday and the heroes who made this day possible for all of us.

Happy 4th of July, friends!

walmart_mom_disclaimer

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Freebie Friday June 20, 2014

Friday, June 20th, 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!

It’s definitely summertime this week on MomAdvice! We have a fun, summery craft from our DIY contributor, Sarah – an herb garden for small spaces with diy garden markers and a perfect main-dish salad for those warm summer evenings, berry pecan salad with candied pecans and homemade raspberry vinaigrette. On this week’s edition of  It’s the 3 Little Things I’m sharing summer things that are making me happy and hope you’ll share yours, too!

Of course you’ll also find our weekly notebook, filled with inspiring DIY food, decorating and craft ideas, and you’ll want 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
Pet
Entertainment
This Week’s Freebie Events: June 21 - 27
21st thru 27th - Barnes & Noble: Attend the Imagination’s Destination Hands On Learning Event, times vary
21st - Lakeshore Learning: Create a Summer Break Journal, 11 am – 3 pm
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Apron Full of Giveaways 06.17.14

Tuesday, June 17th, 2014

flouncy apron pattern via Etsy

Source: The Freckled Pear,  $6.50 (Pattern)

 

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 June 13, 2014

Friday, June 13th, 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 some great tips for creating special one-on-one time with your kids from our parenting contributor, Mary and thoughtful advice from our money contributor, Kelly, about renting vs. buying a home. I’m sharing the best in summer reading from Scribd – plus a FREE 3-month membership for MomAdvice readers!! 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!

Of course you’ll also find our weekly notebook, filled with inspiring DIY food, decorating and craft ideas, and you’ll want 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: June 14 - 20

14th - Barnes & Noble: Attend the Father’s Day Storytime, 11 am

14th - Lakeshore Learning: Create a Father’s Day Pencil Holder, 11 am - 3

14th - Lowe’s: Build Toothless the Dragon, 10 am

14th - Michael’s: Make a Tie-Dye T-Shirt for Dad, 1 – 4 pm

14th - Toys R Us: Attend the Lego Movie Building Event, 12 – 2 pm

 

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Evaluating the Cost of Home: Renting vs Buying

Tuesday, June 10th, 2014

From our money & finance contributor, Kelly Whalen.

One of the largest expenses we have is our homes. Whether you’re renting or buying your home it can add up fast. While most financial experts recommend you spend 25% or less of your earnings on your home costs, location plays a huge factor in whether you can meet that guideline or not. This month we’ll be evaluating how to make the decision to rent or buy, and I’ll share some money saving tips that will help whether you rent or own your home.

Evaluating the Cost of Home Renting vs. Buying

When deciding if you should rent or buy it’s important to consider a number of factors:

1. Evaluate your Needs and Where you Are
Knowing what you need in a home or rental is the first step to your evaluation between renting vs buying. In addition to knowing what you need in a home, location plays a big factor. Look at the community you want to live in, but don’t be afraid to look outside your ideal area because the savings may be worth it.

Renting: If you’re renting it’s easier to look for something that fits you right now, but that may be a mistake. Consider what plans you have in the next several years because it is easier to stay put than it is to move you want to ensure you don’t go through the upheaval of moving multiple times especially if you have a family.

Money saving tip: Before you sign a lease find out if your rent is negotiable. For instance you may be able to make repairs or improvements for savings.

Buying: If you’re buying or own a home you will want to consider a little more long-term. For instance, if you’re planning to add children to your family or possibly care for an elderly relative you’ll want to be sure your home has enough room to grow into.

Money saving tip: Homeowners should evaluate their mortgage to see if refinancing will save them money.

2. Cost is King
Cost is a major factor in your decision to rent or buy. The costs of home ownership and rentals in your area will play a big role in your decision. In some communities and urban areas it never makes sense to buy because rent is low and home prices are high. In most areas though it can save you money in the long run to own your own home. As rental prices increase your mortgage payment will stay the same.

Renting: One of the major costs of renting a home is the deposit you have to put down. Generally this will be 2-3 times the monthly rent. In some urban areas they will require a larger deposit especially if you have poor credit. This could end up costing you several thousand dollars to tens of thousands in higher priced areas. In addition, you will have to factor in what other costs are covered (or not) by renting. Your rent could include utilities, WiFi, and water bills or might even include a building gym or services especially if you live in a metropolitan area.

Money saving tip: Consider all the costs you will have to pay when comparing rentals. If you find a rental that’s going for $1,000/month but you have to pay $300/month in costs for electric, water, and association dues that is more expensive than the $1,250/month rental that includes everything.

Buying: The major cost for buying is the down payment on your home. With the collapse of the housing market options have become more limited for people who don’t have a large down payment. However there are options to consider, so be sure to check with your local bank and mortgage broker. In addition you will have moving costs and repairs to consider if your home needs anything immediately.

Money saving tip: Shop around for pre-approval for a mortgage if you decide to buy. You can save tens of thousands of dollars by doing your homework on mortgage rates.

Prepare to Save

No matter if you’re buying or renting here are some steps you can take to get a better deal:

1. Improve your credit-
Use your free credit reports (1 per agency each year) to ensure everything on your report actually belongs to you and there are no false reports on your credit. I

Money saving tip: A credit dispute can take up several weeks to be fixed and can affect your mortgage interest rate and your ability to rent.

2. Research, research, research-
Knowing what typical rent and home prices are is the key to finding a good deal and simply not overspending on your home. You can use sites like Zillow, RedFin and local realtor sites to get an idea of pricing.

Money saving tip: Set up email alerts or app alerts so you don’t miss when new properties become available.

3. Set Expectations-
Know that there will never be the ‘perfect’ home. In most cases we have to choose the best options out of what is available and what we can afford. In some cases this means trading square footage for location or choosing an older home because the neighborhood schools are worth sacrificing granite countertops.

Choose the things that are the most important to you now and think ahead for the next several years. Will this house or rental suit your needs as your kids get older? Or are your kids older and you’ll be able to live with less space in a few years?

4. Real Estate is not an Investment (for Most of Us)-
While there are exceptions (like people who make it their business to buy and sell real estate) for most of us our homes are simply a place to live. While it’s important to pay attention to the costs it’s unlikely the housing market will climb the way it did pre-housing boom in most areas.

Since most families don’t stay in their homes and locations the way they did in past generations it’s not as common to pay off your home mortgage. Even if your mortgage is paid off and you own your home outright you will still have the costs of repairs and upkeep. When/if you do eventually sell a paid-off home you’re going to use that money to buy again.

5. Repairs are Costly-
If you’re renting, having a landlord means you will have someone to lean on when things need to be repaired and won’t have to cover the cost yourself. While you may not incur the cost directly it will be passed on in the form of your rent.

If you buy a home all the cost and work of repairs will be on you. While you can DIY some things larger repairs can be get expensive. An inspection before you buy will help identify some needed fixes when buying a home, but you may encounter things you didn’t expect.

No matter what you choose or how you save money on your home it can be challenging but worth it both financially and for your happiness. Examining costs and weighing your options may not seem especially exciting but by saving on the place you call home you can slash your budget significantly.

Of course there is one thing you can’t put a price on and that’s the feeling you get when you’re truly home.

For more in our series of money savvy tips read:

 

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Apron Full of Giveaways 06.10.14

Tuesday, June 10th, 2014

Blue polka dot apron via etsy

Source: 4 Retro Sisters,  $37.95

 

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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