Archive for the ‘Money & Finance’ Category

Freebie Friday February 21, 2014

Friday, February 21st, 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 am excited to have our first diy & craft contributor article sharing 3 ways to top off your desserts, which includes FREE printables – so cute! I also put together a list of 21 easy slow cooker meals for you – complete with our family’s favorite sides to go with them! Our weekly notebook is filled with inspiring DIY food, decorating and craft ideas (including more than 70 appetizer ideas!), and we have a ton of contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty

L’Oreal Advanced Hair Care Sample

Pantene Hair Care Sample

Eucerin Lotion Sample

Emergen-C Sample

Household

Kebroak Fire Starters Sample

Entertainment

Gospel-Centered Marriage eBook

Confessions of a Transformer Heart eBook

Animal Report Form Printables

Shape Playdough Mat Printables

Dinosaurs Printable Pack

Holidays & Special Days Calendar Pack

Pete The Cat Pack

Minecraft Multiplications Flash Cards

The Snow Queen Copywork

This Week’s Freebie EventsFebruary 22 - 28

22nd - Lakeshore Learning: Create a Jester Hat, 11 am – 3 pm

22nd - Lowe’s: Build a Claw Game, 10 am

Apron Full of Giveaways 02.18.14

Tuesday, February 18th, 2014

cinderella apron

Source: Lover Dovers Clothing,  $28.50

 

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!

Freebie Friday February 14, 2014

Friday, February 14th, 2014

freebie friday Happy Freebie Friday for Valentine’s Day! 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 am so excited to be featuring two fantastic contributor posts, how to make a knitting needle holder from vintage linens and the beginning of our budgeting 101 series: 5 easy steps to setting up a budget that works! Our weekly notebook is again filled with inspiring DIY food, decorating and craft ideas, and we have a ton of contests you can enter on our weekly round-up of great giveaways!

Hope you find some fun freebies to share with your valentine!

Food & Drink

Quest Protein Bar Sample

Nectresse Sweetener Sample

Entertainment

No Longer A Slumdog Book

Ideas For Valentine’s Day eBook

Valentine’s Day Crafts for Kids eBook

$1 Amazon MP3 Credit

Thriving Family Magazine Subscription

Red Weekly Devotions eBook

Valentine Pre-K/K Printable Pack

Valentine’s Color By Number Pages

Snowman Math Pack

Playkids Educational App

This Week’s Freebie Events: February 15 - 21

15th - Lakeshore Learning: Create a Collage Picture Frame, 11 am – 3 pm

 

 

 

Budgeting 101: 5 Easy Steps to a Budget that Works

Tuesday, February 11th, 2014

From our money & finance contributor, Kelly Whalen.

I am so excited to introduce you to Kelly Whalen from The Centsible Life. Not only is Kelly a fantastic resource on frugal living, but she is also a dear blogging friend! Kelly has promised to walk us all through the basics of budgeting from start to finish so that you will be able to have a stronger grasp on managing your family’s personal finance. No matter when you join us, you can go back through our archives and read all of Kelly’s words of wisdom on money management. I am so thrilled she is joining us! 
Budgeting 101

Creating a budget will allow you to take charge of your money and save more than ever before. You may also find that you are able to spend on the things that matter to you whether that’s travel, home improvements, or charity when you have a budget in place.

In today’s post I’ll show you 5 easy steps to create and keep track of a budget that will really work for you and your family.

1. Where is your money now?

The 1st step to creating a budget is to sort out what accounts you have and where. For some folks this list will be small, but you may find between savings, checking, retirement, college savings, and credit cards you have more than a handful of accounts to track.

The simplest way to do this is to make a list. Include what you owe, what you’ve saved, and all your assets (savings, cars, your home, etc.). You can find a printable debt tracker at my site.

In addition to knowing where your money is you can easily tally up your debts and your assets to find your net worth too.

What is Net Worth? Assets (money, investments, value of your property) – Debts = Net Worth

Below you’ll see an example of how to calculate your net worth:

$25,000 (emergency savings) + $75,000 (retirement accounts-401k and Roth IRAs) + $125,000 (value of home) + $25,000 (value of cars)= $250,000 in assets

$5,000 (credit card debt) + $10,000 (car loan) + $15,000 (student loans) + $75,000 (mortgage)= $100,000 in debt

$250,000- $100,000= $150,000 (Net Worth)

2. What are you spending?

Now that you know what money you’ve accumulated it’s time to look at where you are spending your money. Gather up the last three months of bank and credit card statements and let’s dig in.

To start, you’ll want to use a handful of categories. If you’re using a pen and paper you can choose the categories that make sense for you. If you are using a website, app, or program like Mint or Quicken you can use their preset categories.

Some examples of categories are:

  • Savings, Retirement, and Investments
  • Charity
  • Rent/Mortgage
  • Childcare
  • Healthcare
  • Insurance (Car, Health, Life, Home, Renter’s, etc.)
  • Loans and Debts
  • Maintenance (Car & Home)
  • Entertainment (including outings and services like Netflix or cable)
  • Clothing and Personal Care
  • Food and Dining Out
  • Travel
  • Hobbies or Allowances (for kid or adult allowances)
  • Holiday
  • Misc.

With 3 months of data on hand you can see some slight fluctuations like spending increasing at the holidays or dining out costs going up when work is busy.

Now that you have that data, take a deep breathe. That’s what you did spend, and your future spending and saving habits are going to change with our next step.

3. What are your goals?

Most often we’d jump into what to cut, and we might even judge ourselves a bit when we see how much we really spend on manicures or on our kids’ clothes. Instead let’s turn that around and focus on the positive. What are your personal goals? What are your goals as a family? As a couple?

It’s time to sit down and think about what you want your money to do for you. After all, we work hard for every dollar so it should work hard for us, too!

I find this process works best if you lay out not only your own goals but the goals of your spouse or partner and family as well. For instance, your #1 personal goal may be to save for an anniversary trip with your spouse, but that goal could effect a family goal to get a family pet, or your partner’s goal to have an emergency fund that would last you a full year.

Start by writing out every goal you have. Do you have a ‘life list’ or ‘bucket list’? Include some money that will go towards those goals. Next you’ll want to order your goals. Now some will be tie for a spot on your list, and that’s ok. The idea is we want to bring the most important things to the forefront.

I recently shared this concept with a reader who sent back this list after she and her family prioritized their goals.

  1. Emergency Saving: Emergency Fund for 1 Year’s Expenses
  2. Reduce Food Spending: Learn to cook more meals, find ways to slash budget 25% by end of year.
  3. Family Trip: Save for a family trip to the Grand Canyon.
  4. Pay off ALL Student Loans: Get rid of our student loan debt by 2015.
  5. Fully Fund College Savings: Make sure both girls have enough in their accounts to fully fund their tuition.

While there were many other things the family wanted to do with their money these goals were their top 5. Once they have completed the goals they have outlined they can bump up more items from their list or reassess their goals.

Bonus Tip: Make a vision board to create a visual reminder of your goals (such as a photo of the Grand Canyon) and create a spreadsheet to track your progress.

4. Stop spending on ‘stuff’ you don’t care about.

Now that you know where your money is, where your money has been going, and where you want it to go it’s time to start making that happen. Now is the time to get really serious about where you want your money to go. Look at each and every category and assess if it’s worth the money it’s pulling away from your goals. In some cases we have no choice (yes, you need to pay your mortgage) but you can often reduce or eliminate some of your expenses.

For instance, cable TV is a great example of an unnecessary expense. Your cable bill may be close to $50/month or more if you have speciality channels. Consider cutting the cable. You can watch less TV and utilizing free or low-cost services to watch some TV and movies.

I call this process an expense audit. Each expense will be considered. Can you reduce it? Eliminate it? Choose a lower cost provider?

5. Make a budget.

Only after steps 1-4 are you able to make your budget. Using the same categories you used to assess your spending create a budget based on what you have been spending. While it’s tempting to say you’ll slash your grocery budget from $1,000 to $500 it’s not very realistic. Start with where you are, and as your spending decreases or your dump expenses that you’ve opted to do without you can adjust your budget.

The key to remember is once you’ve made a budget that it is NOT set in stone. It will guide you when it comes to your spending habits, but your budget should shift as you reduce expenses and focus on reaching your goals.

Bonus Tip: Remember that your financial goals are personal. Keep yourself on track by reminding yourself of your goals, and not looking at what the Joneses are spending.

Let’s look at a sample budget to help you get the idea.

Anna’s Family Budget
(Based on $3,000/month income after taxes, 401ks, health care premiums)

  • $250 – Savings (Retirement goes directly to her 401k)
  • $125 – Charity
  • $850 – Rent/Mortgage
  • $150 – Childcare (after-school)
  • $125 – Healthcare (this is an average spent per month on co-pays and medication)
  • $100 – Insurance (Car, Health (premiums come out of paycheck), Life, Home (included in mortgage))
  • $200 – Loans and Debts (Student Loans)
  • $200 – Maintenance & Gas (Car & Home)–goes into savings fund for repairs
  • $100 – Entertainment (including outings and services like Netflix or cable)
  • $100 – Clothing and Personal Care (clothing for 4, haircuts, makeup)
  • $400 – Food and Dining Out
  • $100 – Travel (savings or day trips)
  • $200 – Hobbies or Allowances (for kid or adult allowances)– $50/per adult, $50/child for activities
  • $50 – Holiday/Birthdays (goes into holiday savings account)
  • $50 – Misc.

Total: $3,000 Expenses

Now that we’ve covered the basics of budgeting, I want to know what you’d like to know more about in the future. Share with me in the comments!

Kelly

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Apron Full of Giveaways 02.11.14

Tuesday, February 11th, 2014

Apron full of giveaways

Source: Artsy Craftsy Boutique,  $32.00

 

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!

Freebie Friday February 7, 2014

Friday, February 7th, 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 been a busy week on MomAdvice: I am sharing how we were able to raise enough money for 4 clean-water wells for Burkina Faso (beyond excited!), gluten free cake mix cookies all decorated for Valentine’s day, not one but TWO doughnut recipes: raised coconut lime doughnuts from our food contributor, Shaina, and fun baked gf Olympic doughnuts, as well as some smart solutions for craft room storage. You’ll also find some more great Valentine ideas – how to make Valentine cupcake liner trees and 8 beautiful & frugal Valentine projects. Whew – now I’m going to go take a nap! But don’t forget about our weekly notebook, also filled with even more inspiring DIY food, decorating and craft ideas, plus all the contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty

Nivea Lotion Sample

Calvin Klein Perfume Sample

Food & Drink

Maxwell House International Coffee Sample

Entertainment

Bible Verse Valentine’s Day Printables

Valentine’s Day Coupon Book for Kids

The Prayer of the Lord eBook

The Truest Thing About You eBook

Love Is A Flame eBook

Faith Builders Lego Curriculum

Fit Pregnancy Magazine Subscription

Digital Issue of From Scratch Homesteading Magazine

When Helping Hurts Audiobook

Answers In Genesis Downloads

Rhyming With Candy Hearts Activity

February Calendar Cards

Dentist Preschool Unit

Greek Mythology Pack

Winter Olympics Educational Resources

McGraw-Hill Educational iOS Apps

This Week’s Freebie EventsFebruary 8 – 14

8th - Barnes & Noble: Valentine’s Day Storytime, 11 am

8th - Lakeshore Learning: Create a Heart-Shaped Card Holder, 11 am – 3 pm

8th - Lowe’s: Create a Love Note Holder, 10 am

8th - Pottery Barn: Cookie Decorating, 11 am

8th - Toys R Us: The Lego Movie Building Event, 12 – 2 pm

10th - Michael’s: Create a Love Bug Card, 5 -7 pm

12th - Michael’s: Create a Valentine’s Day Frame, 10 am – 12 pm

12th - Michael’s: Create a Tissue Paper Heart, 5 – 7 pm

 

Apron Full of Giveaways 02.04.14

Tuesday, February 4th, 2014

red polka dot apron

Source: Swanky Place Aprons,  $32.50

 

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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How We Successfully Raised $6,000 in Two Weeks for Burkina Faso

Saturday, February 1st, 2014

 

How to Successfully Raise Funds for Your Favorite Charities from MomAdvice.com.

I could not be prouder of my friends and readers than I am today. Today we were able to give $6,000 in raised funds to our Wells of Hope campaign for Burkina Faso and pitched in another $2,000 raising our total to an incredible $8,000 to build wells. This gift gives up to 4,000 men, women, & children access to clean water.

How did we do it? I am baffled myself! When we initially pitched the idea to the ministry team at our church that we wanted to do this, I had no clue if we would ever be able to pull it off. I am no Momastery, in traffic or in size of influence, but I did believe that my passion for this project could be contagious, if seen in front of the right eyes.

If you are trying to raise funds for a passion project of your own, I want to share with you the strategies I used for this campaign. I believe that there is enough love and money to go around to fund these projects, but it is finding ways to make that voice heard that is essential for funding.

Start With a Clear Plan & Goals

I am a big believer in getting everything on paper and when I came to the team with my big dreams of birthday wishes I didn’t speak vaguely of what I believed I could do. Let me be clear though, saying it out loud is hard. I did not want to let a single person down.  At the same time, knowing that I was trying to commit to a goal, offered motivation for me to really pull through for Burkina Faso. We shared that our family was financially committed to one well and we hoped to raise enough funds for at least two more wells.

I shared every avenue I was willing to tap into, how we could gather our funds, what I would need from the team to get people to connect to our cause, and what would be happening each day in that first week on our site.

How to Successfully Raise Funds for Your Favorite Charities from MomAdvice.com.

Get People Curious About What You Are Doing

I began posting teasers that we were up to something a couple of weeks in advance of launching our project. We wanted to get people excited that something big was going to be happening and that we would be calling on them to be a part of it.  You can do this even if you don’t have a blog or website, but just through your social media channels.

How to Successfully Raise Funds for Your Favorite Charities from MomAdvice.com.

State Your Needs Clearly So People Know Who They Are Helping

People need to know what they are funding and what organizations they are helping. In a case like ours where there are numerous organizations involved, I tried to clearly state exactly who the partners in this project were, facts about the community & people that would be impacted, and what a donation would mean to this cause.

Saying that we need clean water for people in Africa would not be as impactful as, “One out of three children will probably die before they ever reach the age of ten. The deaths are mostly due to a lack of fresh water. The women of Burkina Faso often walk several miles to a dirty stream or stagnant pool, just to fill a bowl with water.”

Children dying before they are ten?

Women walking for miles to find a water source?

It is awful, but truthful information that calls upon people to help in a very visual way.

 

How to Successfully Raise Funds for Your Favorite Charities from MomAdvice.com.

Find an Avenue for Easy Collection

I have been a longtime fan of Pure Charity and knew that I wanted to use this site to spread the message of what we needed. I cannot recommend their site enough for what they can bring to your passion projects.

I could go on and on about why I love them so much, but it all boils down to people being able to connect with your cause, see their money grow, and know how many they have impacted. You can take a peek at my campaign to see how this looked.  I can’t tell you how many people went back in and donated a little more after their first donation to the project, just see the money bar go up a little more. After each donation is given, through Pure Charity, the person is told exactly how many lives their donation impacts. Even if you were only about to offer $10, you knew that you had impacted five people that day once your funds were submitted.

This method of collection was easy and you can connect your organization right to the funds.

How to Successfully Raise Funds for Your Favorite Charities from MomAdvice.com.

Donations Are Great- Whether Big or Small

Unless the organization’s collection form states that you need to have a minimum donation, show people small and approachable ways of donating. Anything over $1 was considered a donation on Pure Charity so I tried to think of things that were a little over $1 that people could “give up” to give a child clean water. A Redbox flick, a Starbucks coffee, a ticket to the latest movie, or a quick stop for a burrito is money that could be spent to give clean water to Burkina Faso.

It worked so well that people were donating after they went through the drive-thru or they gave up their weekly latte run or pizza night for my cause.

The point of this was to prove that you don’t have to be a millionaire to give. Every donation was important to me. Every. Dollar.

Connect Your Cause With Your Social Media Channels

If you are active on social media, use it to your advantage and ask your friends to spread the word. My two biggest audiences on social media are Facebook & Instagram.

Here’s a fun fact, I absolutely despise video or hearing myself on video or anything to do with video. That being said, some people like pictures, some people like videos, and some people just like to read a status. I tried to utilize every avenue from the beginning. An intro video connected you to our cause, I did a couple of thank you videos to thank people as we met goals, and we shared lots of pictures. If you want to make quick banners or collages for your cause, PicMonkey is great for your websites and if you are looking to add text to your phone images, I love Rhonna Designs app.

Thank Everyone for Everything Often

Each time we received a donation, I thanked them, whether publicly or privately. I was so grateful to everyone who gave, whether it was a dollar or a hundred dollars. The fact that they connected with my cause and helped meant the world to me.

Anytime I have ever donated to someone and received a thank you, it acted as double validation for what I did. With 121 contributors to our campaign, I tried not to overlook a single person and sent an email or message to them as soon as I could to say thank you.

After all, if we didn’t have these AMAZING friends we could never be sharing our success story with you today. My friends ROCK!

Don’t Stop Once You Reach Your Goal

How to Successfully Raise Funds for Your Favorite Charities from MomAdvice.com.Our goal was to raise enough funds for three wells. In the end, the money kept trickling in and bit by bit we were inching closer to our fourth well. If we would have given up when we reached our goal, we would have never known we could have achieved an additional well.

I’m not done with Burkina Faso though. The water of funds will continue to trickle as I knit my way to another well this year. I am working on my first round of wares for an Etsy shop to give all the profit to Burkina Faso.

If you have a talent for something and a burning desire like this amazing young lady that shared her story with our readers, you can continue raising funds in whatever little ways and pockets of time you have in your day.

How to Successfully Raise Funds for Your Favorite Charities from MomAdvice.com.

Whatever your project, I pray that God blesses you abundantly in it. I also thank each of you for helping us reach and surpass our goal of giving clean water to the people of Burkina Faso. Thanks to your donations, we will have water for up to 4,000 people. What an incredible gift you have given us and these people.

Thank you for celebrating the site’s tenth anniversary with us in such a grand and beautiful way! It solidifies my belief that this is just what God wants me to be doing with my life.

xoxo,

Amy

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Freebie Friday January 31, 2014

Friday, January 31st, 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 am sharing a gluten-free Pulled Pork Stuffed Sweet Potato recipe – perfect for game day – and a fun new family tradition in honor of Chinese New Year, Felt Fortune Cookies. We also have a great discussion for our January Book Club pick, The Paris Architect (look for our February pick later today!) and an inspiring guest post on making time for you and your health. Our weekly notebook is filled with inspiring DIY food, decorating and craft ideas, and we have lots of contests you can enter on our weekly round-up of great giveaways!

Have a great weekend, everyone!

Health & Beauty

Pantene Shampoo & Conditioner Sample

Suave Moroccan Infusion Sample

Burberry Brit Rhythm Perfume Sample

Yes To Cucumber Facial Wipes

Food & Drink

Truvia Sweetener Sample

Tea Monger Tea Samples

Firecracker Chicken at Panda Express (Today, 1/31)

Starbucks Drink for new Starbucks Rewards Members

Entertainment

Personalized Lovable Labels Sample Pack

100 Apple Apps For Preschoolers

Be Mine Children’s Picture eBook

50 Big Ideas You Really Need To Know eBook

What Did Jesus Really Mean When He Said Follow Me? eBook

Candle In The Darkness eBook

Finding Real Love Prayer Journal eBook

Beyond Survival eBook

The Little Children and Jesus eBook for iPad

My Very Own Dr. Seuss Activity Book

Early Reading Printables

Winter Pre-K Pack

Winter Olympics Pack

Snow Queen Printable Pack

Busy Bag Printables

This Week’s Freebie EventsFebruary 1 – 7

1st - Home Depot: Build a Race Car, 9 am – 12 pm

1st - Lakeshore Learning: Create a Bookmark, 11 am – 3 pm

1st - National Museums: Free Entrance to Museums for Bank of America Card Holders

 

Apron Full of Giveaways 01.28.14

Tuesday, January 28th, 2014

canvas utility apron

Source: White Barn Mercantile,  $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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