Money Saving Tips: family - billeater.com

5 Ways to Keep Your Family within a Budget

Guest Blogger — Thu, 02 Feb 2012 15:30:00 +0000

With the economy still on very shaky ground, it’s more important than ever for people to learn how to live within a budget. However, there is a big problem with budgets – they’re like diets. And just like when you see that gooey jelly donut in the window of the bakery and your diet goes out the window, your budget will go out the window you see those “adorable” shoes which you simply “must have” or that new tablet computer. So how do you figure out how to actually stick with a budget?

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Making the Most of Your Student Budget

Guest Blogger — Wed, 04 Jan 2012 22:16:53 +0000

If you are an average college student it will be a fair assumption that you will have to live within rather tight financial restrictions. A lot of this has to do with the fact that you are now far more independent than you used to be and this costs money. There are new friendships and more than a couple of parties to attend. Study takes a lot of your time which means it is not practical to have a full time job.Read the rest...

Yes, You Can Afford to Send Your Children to Private School

Guest Blogger — Fri, 30 Dec 2011 01:00:00 +0000

If you prefer a private school for your children’s education instead of a public school, (not withstanding there is plenty of debate either way as to the pros and cons), then the next question is how to pay for it? If your answer is simply, write a check, then you are perhaps lucky enough not to need to plan so thoroughly; but for many families, what may seem to be out of reach, can be achieved through careful planning and savings. Read the rest...

10 Tips for Frugal Family Living

Guest Blogger — Wed, 21 Dec 2011 13:00:00 +0000

Today, frugal living is the only way of life. With a down economy and ever-increasing prices on most goods, it is vital to learn how to live frugally. Below are ten money saving tips for living the frugal, but good, life.Read the rest...

Tips for Funding your Child's College Education

Guest Blogger — Thu, 13 Oct 2011 00:00:00 +0000

Preparing to fund a child's flight from the nest into college may be daunting at first. College may seem so expensive that you'll never get there. But saving for college is not an insurmountable task. The following tips can make saving for that flight easier.Read the rest...

6 Ways to Get the Most for Your Money When Buying Toys

Guest Blogger — Mon, 26 Sep 2011 05:00:00 +0000

Does your child have a room full of toys that are rarely played with? When it comes to children’s toys, the newest, most flashy toys are often the ones that are abandoned soonest. The following tips will help you choose toys that offer great value for the money.Read the rest...

Wedding Economics: 11 Tips to Save Big Money on Your Big Day

Jessica Bosari — Fri, 16 Sep 2011 00:00:00 +0000

The dress. The food. The venue. The flowers. Weddings don't come with one big price tag; they come with a hundred little price tags that can add up to a mind-blowing sum. If you're searching for ways to cut back on your wedding expenses, consider these 10 money-saving ideas.Read the rest...

Homemade Dog FoodTreats Yom Wallet and Your Best Friend

Tim Iandoli — Thu, 15 Sep 2011 00:00:00 +0000

In this fast paced world of ours, we all welcome shortcuts and quick fixes. It’s a no-brainer to grab 7-10 cans of dog food and throw them into your grocery cart. Buy one, get one free; instant savings; and 20% more included are all common marketing phrases used to help you determine which dog food to buy at the market.Read the rest...

Learn To Save Money as a Single Parent

Tim Iandoli — Fri, 09 Sep 2011 00:00:00 +0000

Saving money when you are supporting yourself is hard. Trying to cut back on expenses when you are a single parent is even harder. However, there are a few ways that you can provide for your family without breaking the bank. By saving on smaller expenses instead of focusing on large bills, you may find that these little ways add up. Make sure you put any money you save into the bank.Read the rest...

Hands Down, the Smartest Investment for Young Adults

Tim Iandoli — Mon, 15 Aug 2011 20:54:23 +0000

In an increasingly complex economic market, it is tough for young adults, especially, to decide how to invest for the future. There are many different options out there, from stocks and bonds to real estate to business investment opportunities. But none of these options for investing pays the same dividends as a college education. Many young people today, however, enter the workforce rather than pursue a college education. They assume they can't afford a postsecondary education in the current economy.Read the rest...

Your College Education: Do You Get What You Pay For?

Guest Blogger — Tue, 02 Aug 2011 02:41:47 +0000

Recent studies show overall that colleges with the lowest price tags also have the lowest four-year graduation rates. Schools that top the list for four-year graduates also top the list for cost, competition, and prestige. The most successful graduation ratio belongs to Harvard, where 97% of students who enroll graduate on time.[1] Comparatively, schools that are easier to get into—and easier to pay for—more often than not round out the bottom of the graduate list with fewer than 60% of freshmen who graduate in four years.[2]Read the rest...

What to Look For in a 529 Plan

Jessica Bosari — Thu, 28 Jul 2011 05:00:00 +0000

A 529 plan is a vehicle to save for future education expenses. Each state has its own 529 plan, but since there are no residency restrictions, an investor in Texas can sign up for the California-sponsored 529 plan, for example. With 50 different states to compare, an investor can face a challenge in picking the right plan. Because there are also no income limits and a wide-range of eligible education expenses, every person may be able to benefit in some way from a 529.Read the rest...

Bridesmaid on a Budget: How to Cope with a Costly Wedding

Jessica Bosari — Wed, 27 Jul 2011 01:54:47 +0000

Always the bridesmaid and always broke? It is no wonder with the average bridesmaid spending close to $1,700 based on a 2010 study. Expenses including dresses, shoes, jewelry, travel, lodging, and the bridal shower can really add up. Of course, not all brides choose the most expensive of everything, but there is really no way to know when asked to be in a wedding.

When you accept, you are accepting not only the duty and responsibility, but the financial burden as well. While you may be more than willing to do these things for your friend, there is no reason to go into debt for a wedding that is not even yours. If you cannot afford it and you know it, say so politely. You may get an offer for help, but if not, walk away with your checkbook intact. Of course, if this is your sister asking you, saying no is a lot harder.Read the rest...

Ways For Single Parents To Better Manage Money

Guest Blogger — Mon, 25 Jul 2011 05:00:00 +0000

There are few things as difficult and exhausting as being a single parent. Juggling work, after school activities, family time, helping with homework, dealing with crises, managing a functional household, having anything like a social life...it is a lot to deal with. But probably the most stressful issue of all is handling finances, from paying bills to budgeting.Read the rest...

Got Kids? Married Couples with Kids Make More than Live-ins

Jessica Bosari — Wed, 13 Jul 2011 09:22:29 +0000

The discussion about moving in together before marriage or getting married and then moving in together is one of modern society. For many couples, the choice to move in together is partly based on the idea of saving more money by sharing expenses. While two people living in the same house is not the same as one person, by sharing the cost of rent, utilities, furniture and other similar expenses, two people living together ultimately can save more money.Read the rest...

Name Brands on a Generic Budget

Guest Blogger — Wed, 06 Jul 2011 05:00:00 +0000

Sometimes, generics just won’t do.

Now, I love saving money, but there are certain items that I just don’t want to purchase from a knock-off producer. I want the real thing, and anything less is unacceptable. Unfortunately, my high-class tastes don’t mind that my wallet has high-class amounts of money in it. Even though I won’t settle for generic, I’m still on a budget. What’s a girl to do?

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Zulily Review: Some Love It, Some Hate It

Guest Blogger — Thu, 30 Jun 2011 18:30:19 +0000

Zulily is a web-based service that alerts you to special savings on mom and baby products. Some of the deals are incredible, with as much as 90% off every now and then. The products listed include every category of baby goods, from large items like car seats to smaller items like clothing. The merchandise is good quality and looks as if it could have come from an upscale boutique. The only one who will realize how little you paid is you.Read the rest...

Five Free Activities for Kids during Summer Vacation

Jessica Bosari — Fri, 01 Jul 2011 05:00:00 +0000

It’s summer, the kids are out of school, and it’s time to find something fun to do. The only problem is that all that summer fun can get expensive. While amusement parks, hotels, and baseball games can make a major dent in your wallet, there are many great free activities available for kids of all ages.Read the rest...

Dining Out Savings - Kids Eat Free

Jessica Bosari — Wed, 29 Jun 2011 22:36:53 +0000

Free is a word that everyone loves, and when it comes to dining out with kids, getting their meals free can make it an affordable and fun evening out for the entire family. In an economy that is still recovering from a recession, more families have opted to eat at home to save money. The word free is bound to get their attention, though.Read the rest...

Creative Mulching: Five Free Mulches for Your Garden

Heather Hollingsworth — Tue, 14 Jun 2011 15:22:53 +0000

The benefits of mulching your vegetable garden are nearly endless. Organic mulches provide nutrients for the soil while they help keep necessary moisture from evaporating into the air. Using an average of two inches of mulch through the middle and late summer months can reduce your need for watering by more than half. The natural fertilizers in organic mulch help promote plant growth without the use of chemical fertilizers. A layer of mulch will protect the soil against erosion, and it will draw feeder roots up toward the rich surface where they will provide more nutrition for the plants.Read the rest...

Five Amazing Kidpreneurs

Heather Hollingsworth — Wed, 08 Jun 2011 05:00:00 +0000

Who says starting a business is only for grownups? These five kids have all created their own successful businesses before the age of 20. The companies range from hair care products to popular gaming apps. What they all have in common is a good idea and the ability to follow through with that idea until it eventually pays off. Most of these kids will earn enough money in their teens to pay for their college education - as soon as they're old enough to go off to school.Read the rest...

Five Tips to Manage Family and Personal Finance

Heather Hollingsworth — Tue, 24 May 2011 05:00:00 +0000

Financial responsibility is not genetic. While some parents do a great job of teaching their kids how to handle money, many people have to learn money management skills on their own. This can create some painful situations when the adult child is financially secure and the parents are financially unstable. Emotional bonds can make financial decisions even more difficult in these situations.Read the rest...

You Can Afford That Baby. You Just Need Less Stuff!

Jessica Bosari — Wed, 18 May 2011 11:40:31 +0000

Nowadays, a common belief is that babies are expensive. Advertisers have us believing that newborns need a lot of costly items like state-of-the-art strollers and intelligence-enhancing crib gadgets. Let’s be honest, in some circles, baby accoutrements are the new status symbols. The truth, however, is that babies, especially in their first couple of years, require very little. So, it’s time to eschew any baby-related pretence and uncover the secret of clutter-free, affordable baby rearing.Read the rest...

Are Today's Households More Prudent?

Heather Hollingsworth — Mon, 25 Apr 2011 05:00:00 +0000

The recent recession had a widespread impact on households in every economic sector. Unemployment, high energy prices, and rising food costs have caused consumers to evaluate their spending habits and make a few changes. While homeowners appear to be more frugal these days, economists hope they don't see too much of this good thing.Read the rest...

Five Cheap Easter Decorating Options

Heather Hollingsworth — Sat, 23 Apr 2011 14:29:49 +0000

Easter decorations can be fun and festive without emptying your bank account. It doesn't take much to make an Easter Sunday special for the whole family. Almost any decorations that celebrate spring will add to the fun of the day. Cut flowers from your own garden can be some of the best decorations, and they will not cost you anything extra at all. If you are celebrating with children, you can have them help you create imaginative new decorations using common arts and crafts tools.Read the rest...

Who Pays for the Wedding these Days Anyway?

Heather Hollingsworth — Wed, 20 Apr 2011 05:00:00 +0000

Wedding traditions have been slowly changing over the last couple of decades. One thing that has changed the most is how the family pays for the wedding. It’s not automatically up to the bride’s father anymore, nor are other costs covered the same way they use to be. Today's bride has more control over her wedding choices, because she has more control over wedding finances.Read the rest...

Free Admission to National Parks in April Vacation: Some Restrictions Apply

Heather Hollingsworth — Fri, 15 Apr 2011 05:00:00 +0000

The United States is home to 394 federally run national parks. Every state has at least one, and most states have several. If you are ready to enjoy the warmer spring weather outdoors in a wonderful environment without spending too much money, you might want to schedule your trip for mid-April. Read the rest...

Do You Really Need a House that Big?

Heather Hollingsworth — Mon, 04 Apr 2011 05:00:00 +0000

The trend in every housing market in the United States right now is toward bigger houses. Even the smaller homes are being built twice as large as they would have been just 30 years ago. All of that extra space can be nice if you have a big family, but it can be difficult and expensive to keep up with year round. Moving to a smaller house can save you money and decrease your carbon footprint.Read the rest...

Is Your College Student Packing Heat?

Jessica Bosari — Tue, 22 Mar 2011 05:00:00 +0000

Have a teen getting ready to head off to college? Whether you hate the idea of your child living among armed peers, or if you see guns as necessary for protection, you'll definitely want to know which schools allow students to carry guns. If you're going to put your hard-earned dollars into your child's education, you want them to make it through college in one piece.Read the rest...

Five Heavenly Pillows and Where to Buy Them

Heather Hollingsworth — Tue, 01 Mar 2011 19:22:49 +0000

The definition of the best pillow can vary from person to person. Some people prefer pillows that their heads can sink into, while others like a little more support when they sleep. No matter what you personally like best, there are pillows of every shape and category that rise to the top of the list. The following five pillows range from foam to down, and they represent the highest quality pillows on the market today.
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Healthy Home Cleaning Guide: Resolve to Save Hundreds on Cleaning Products this Year

Jessica Bosari — Thu, 06 Jan 2011 16:36:11 +0000

One of my favorite things about frugal living is the synergy it often finds with green living. Many ways of saving money help reduce waste and pollution. One is to use only natural cleaning products. Not only is it good for the earth and your wallet, but it’s also healthier for your family. The chemicals left behind by many household cleaners can contribute to illness in those with sensitive systems. Using natural cleaners gives you one less danger to worry about.

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Money Saving Techniques for the Truly Hard Core

Jessica Bosari — Thu, 30 Dec 2010 10:38:02 +0000

Some of us are a bit more committed to saving money than others. Sometimes we go the extra mile from necessity; sometimes we are just control freaks. If you want others to think of you as the Frugal Fannie who uses both sides of the toilet paper or the frugal fellow who pinches Mr. Lincoln until he screams, here are a few tips to help you become a truly hard-core money saver.Read the rest...

Money-saving Tips for the New Year: Declutter Now, Sell Later

Heather Hollingsworth — Wed, 29 Dec 2010 08:42:45 +0000

The end of the year is an ideal time to clear out your clutter for several reasons. Many jobs offer extra time off during December so that everyone can enjoy the holidays with family. You've probably been putting off the deep cleaning until you have more time, right? The extra time you are given in late December is perfect for clearing out all of that stuff you've been meaning to get rid of. The weather at the end of the year also cooperates with cleaning out the house. It is usually cold and rainy, so you are stuck inside anyway. You can make a game out of clearing each room one day at a time while you are waiting for the weather to get better.Read the rest...

Keep Holiday Keepsakes Beautiful by Storing them Properly

billeater — Thu, 23 Dec 2010 09:05:12 +0000

The excitement of setting up the Christmas tree and decorating the house somehow never seems to stick around when it's time to take everything down and pack it away again. How you store your special Christmas ornaments will have a direct impact on how long they last and how easy they are to use when it is time to decorate again.Read the rest...

Ten Shopping Tips You MUST Teach Your Children

billeater — Wed, 22 Dec 2010 08:53:27 +0000

Part of being a parent is teaching your children how to handle money responsibly. You can begin teaching your kids how to make the most of their money every time you go to the store together. Talk with your children about the everyday things that you do to make every dollar stretch as far as possible.Read the rest...

Can getting more sleep save you money? Probably!

Jessica Bosari — Tue, 21 Dec 2010 18:28:03 +0000

if you aren't getting at least eight hours of uninterrupted sleep every night, you may be costing yourself money. Even if you are spending those sleepless hours working from home, the extra money you make now will probably not be enough to cover the expensive problems that can result from sleep deprivation. Forgetfulness, overeating, falling asleep at work, and many other symptoms can be tough on your finances eventually. Taking the time to make sure you get plenty of rest at night will make you more productive at work.Read the rest...

Romantic, No Longer practical, But Still Neat-O Ways to Save money

Jessica Bosari — Mon, 20 Dec 2010 20:15:52 +0000

In tough economic times, people start to think about different ways to save money. The more difficult it is to make ends meet, the more drastic the money-saving ideas tend to be. Just a few decades ago, everyone made the majority of their food on their own. Wouldn't it be nice to go back to the days of growing your own vegetables and drinking fresh milk from your own dairy cow? The idea is really impractical in our modern age, but it's fun to imagine.Read the rest...

BPA on Receipts! Cause to Panic?

Fletcher Martin — Thu, 16 Dec 2010 12:50:47 +0000

If you are a financially responsible person, then you probably take every receipt you are given and keep it in your purse or wallet until you decide to go through your receipts. You’ll probably keep the important ones you need, and throw the rest away. However, this practice could be tainting your money and the other items that encounter your receipts with BPA. Bisphenol A, abbreviated as BPA, has been found to have the potential to cause a number of health issues such as cancer and possible birth defects in developing fetuses and young children.Read the rest...

3 Steps to Successfully Renegotiate Your Rent

Fletcher Martin — Tue, 14 Dec 2010 12:39:07 +0000

Unless you’ve been featured in Forbes, you probably have rent or mortgage payments that have become a bit harder to handle since the recession hit. Thousands of renters out there continue to pay more every year because the landlord wants to account for “inflation.”Read the rest...

Is an Online Degree as Valuable as a Brick and Mortar?

Fletcher Martin — Fri, 03 Dec 2010 20:44:09 +0000

As technology advances, traditional values begin to fade away in response to a rise in newer programs to fit our society’s newfound technologically based lifestyle. This is seen in pop culture that engulfs large cities, such as Los Angeles and New York just as much as it can be seen in more traditional rural areas. In short, computers are taking over. This is changing all lifestyles from how we apply for jobs, find mates, and even get a post grade school education.Read the rest...

Top Misleading Sales Tactics

Fletcher Martin — Thu, 02 Dec 2010 21:48:19 +0000

Salesman will do anything and everything to get a sale. If they have to cluck like a chicken for five minutes to get you to buy whatever they are peddling, they will. You have probably run into a misleading sales ad before. You are told one thing promising cheap prices only to have the final total to ring up double or even triple what you originally thought. Context and word placement are everything. The following tactics are used much more often than you would think to get you, the unsuspecting customer, to spend more you planned.Read the rest...

Social Media Could be the Best Way to Find a Job

Jessica Bosari — Wed, 17 Nov 2010 21:49:21 +0000

Celebrities have long used social media as a marketing platform to connect with millions of fans, and companies are now following suit, but for another purpose. Many small, medium, and large companies have social media accounts and are using them to find employees. Individuals looking for work can use this trend to their advantage by using social media sites as a way to find a job.Read the rest...

Can Installing a Garbage Disposal in your Kitchen Sink Save Money?

Jessica Bosari — Fri, 12 Nov 2010 19:55:39 +0000

When people think of home improvements that can save money, installing a garbage disposal may be the one of the last things to cross their minds. For those who pay a fee for every bag taken to the curb, it can be a great way to save money. Saving on the cost of trash bags and trashcans can also put a little extra money in your pocket. Garbage disposals have environmental benefits by reducing the amount of trash sent to landfills. Installing a garbage disposal is a great idea, but there are some things to consider before making the decision to shop for one.Read the rest...

What Makes a Truly Good Deal? Learn How to Spot One Quickly

Jessica Bosari — Thu, 04 Nov 2010 14:45:29 +0000

Nearly every shopper appreciates a good deal, but not everyone knows how to spot one. A good deal isn't simply a low price. It also includes the value of a product. The value of a product depends greatly on how it is seen by consumers on an individual basis. Usually, the price and value of a product tends to meet somewhere in the middle. When you are shopping, think about value. This is how to find the best deals.Read the rest...

How Social Savings Can Increase Your Savings Exponentially

Jessica Bosari — Mon, 11 Oct 2010 14:56:38 +0000

Social savings sites developed almost a decade ago as a means for students, homeowners and other individuals to obtain financial goals for various needs or desires including college, home improvement or vacations. Similar to online savings accounts, various sites contain different features that assist in building a financial resource. All of the sites allow designated persons the option of contributing towards a goal.

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Five Ways to Find Affordable Used Baby Clothing

dlawwill — Wed, 06 Oct 2010 23:43:32 +0000

Having a baby is an exciting time in one’s life. There are so many new things to learn and so much to do in so little time. One of the most important, and sometimes one of the most expensive, things that come with having a new baby is finding new clothing for that baby. New baby clothing can be incredibly expensive, and dressing your sweetie up in brand clothing can cost even more. Thankfully, there are ways for new mothers can save on baby clothing from newborn to toddler.Read the rest...

How to Have a Fun and Frugal Halloween Celebration

dlawwill — Fri, 10 Sep 2010 11:46:34 +0000

Halloween has a long, rich history dating back 2,000 years to the Celtic peoples living in Northwestern Europe. During this time, the festival was called Samhain. It was celebrated on November 1 to mark the start of a new year as the Celtic calendar was not the same as the calendar that we use today. Halloween is a fun and cherished holiday for children and often adults alike and can be made even better with the creativity and craftiness that frugal living brings.

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What to Do When You're Saving too Much Stuff

Jessica Bosari — Thu, 26 Aug 2010 14:15:15 +0000

Skokie, Illinois fire rescuers recently drilled a hole in the ceiling to rescue an 82 year-old woman from her apartment. They couldn’t use the door because the space was piled to the ceiling with hoarded stuff. Earlier this year, an El Paso, Texas woman died by fire when the newspapers she had hoarded fed the flames. Firefighters couldn’t get through the clutter to save her. These may sound like extreme cases, but hoarding is becoming an ever-increasing problem. Those who find themselves in cluttered surroundings could end up like one of these women if they don’t take steps to clear up the clutter now.Read the rest...

Why Buying New Rarely Makes Good Sense

Jessica Bosari — Tue, 24 Aug 2010 15:57:47 +0000

The vast majority of purchases we make are a giant waste of many...especially if you're buying them new. Think about how much you spend on clothing at department stores. For every $100 you spend at a department store, you can find $1,000 - $4,000 worth of clothing second hand. Suddenly, that $500 you need to put aside for your clothing budget shrinks to $50. To be a smart shopper and keep money in your pocket, check out secondhand products.Read the rest...

5 Ways to Save Money on Hair Care

Guest Blogger — Mon, 23 Aug 2010 10:43:16 +0000

While women typically spend more money on haircuts than men, financing haircuts, not to mention color and styling, really adds up. Cut that hair budget down by thinking about ways you can minimize costs. Here are some ways to save money when it comes to haircuts:Read the rest...

7 Financial Tips for Newlyweds

Jessica Bosari — Mon, 16 Aug 2010 18:57:40 +0000

Getting married should be the stress free, time-of-your-life experience you've always dreamed of. More often than not, however, improper financial planning can be all it takes to cause stress, fights and even divorce soon after the wedding date. Here are ten financial tips that all potential newlyweds should take into consideration BEFORE getting married. Read the rest...

5 Ways to Save on Your Next Disney World Vacation

Jessica Bosari — Thu, 12 Aug 2010 15:02:40 +0000

Yikes! Disney World recently raised its admission rates, from $79 to $82 for adults, and from $68 to $74 for a child under 10 years of age. That’s per day! With the economy struggling, many families are looking at that and wondering, how can a family afford a Disney vacation without breaking the bank? The answer lies in these money-saving suggestions.

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Living on One Income: How to Make it Work

Jessica Bosari — Wed, 11 Aug 2010 13:59:51 +0000

Even in the best of financial times, living on one income is a challenge. From necessities like food, shelter, clothing, medical bills, transportation, and taxes to "wants" like entertainment and leisure, the drains on a family's financial resources are many.

This is especially true in this American society built upon conspicuous consumption. Living frugally can seem impossible and unfair, especially when it seems that so many other people live wasteful lives. How does a family manage not only to survive, but to prosper with only one income?

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How To Save Money Scrapbooking

Jessica Bosari — Tue, 27 Jul 2010 16:18:27 +0000

Scrapbooking is a fun craft and a beautiful way to showcase family photographs for future generations. But for many of us, it’s just too expensive. Just a stack of decorative papers can cost $20. Stamps can go for $50. Cutters for hundreds. So what’s a frugal family photographer to do? Find ways to make beautiful scrapbooks for next to nothing. This fun and meaningful hobby doesn’t have to cost a lot. Sometimes, you can do it for free!

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10 Uses for Silly Bandz® and Rubber Bands That Save You Money

Jessica Bosari — Mon, 26 Jul 2010 13:44:28 +0000

Rubber bands, often acquired for free when they come wrapped around produce or newspapers, can be found in many households just hanging around in a drawer or wrapped around a doorknob waiting for an opportunity for a second life. These days, there are probably 100 or more Silly Bandz® hanging around your kids room. Any day now, they'll be "so last week." Put that forgotten fad to work in your home with some creative ways to re-use rubber bands and save some money in the process.Read the rest...

For Richer or for Poorer: 5 Strategies for Sticking to Your Marriage Vows

Jessica Bosari — Wed, 21 Jul 2010 20:18:09 +0000

According to MarketWatch, approximately one-third of couples site finances as the most stressful part of their relationships. A shocking 91% of Americans try to avoid talking about money with their partners. No wonder half of divorces attribute money as the cause. If we can’t talk about the problem, we can’t fix it. And when times or tough, communication is the key to emotional survival. Here are some marriage survival tips to help you keep your promise to love each other through both good times and bad. Read the rest...

Five Good Reasons to Dip Into Your Emergency Fund

Jessica Bosari — Mon, 19 Jul 2010 20:29:57 +0000

Hopefully you have a fund containing enough to cover your regular living expenses for at least three months. Such emergency funds have never been more important than now. If you haven’t yet been forced to dip into that account, you’re probably one of those contemplating it after a layoff or as the bills get harder to pay every month. At what point is your situation an emergency? When should you throw in the towel and accept that you need to use some of that emergency money you have been stashing away?Read the rest...

Make appliances last longer

Jessica Bosari — Thu, 08 Jul 2010 12:25:52 +0000

Appliances will never last forever, but the way that we care for our major appliances has a direct impact on how long the appliances last. Properly caring for appliances is the key to making them last for a very long time. It also helps you to save money on your monthly bills as well as on appliance replacement costs. The following guide for appliance care will have your appliances looking great and running efficiently for many years to come.Read the rest...

5 Painless Ways to Save Money

Jessica Bosari — Wed, 07 Jul 2010 18:05:38 +0000

Guilt makes you want to slow your spending. Anxiety makes you want to save towards a nest egg. But the process of alleviating these feelings takes so long to show progress, we often feel used and abused before we ever experience relief from our guilt and anxiety. In the beginning of any savings plan, you are likely to feel the same guilt and anxiety that overspending brought you, with the added negative feelings brought on by restricting your spending. So until you can get some positive reinforcement going, it's smart to practice some simple saving tricks that leave you feeling less deprived. Here are 5 painless ways to save that may help you get the ball rolling:Read the rest...

July 4th Fireworks Cancelled? Five Budget Friendly Independence Day Celebrations

Jessica Bosari — Fri, 02 Jul 2010 20:47:06 +0000

If your community has canceled its annual fireworks display due to budgetary issues, you might be wondering how you can make the 4th of July holiday festive for your family. If your family has budget concerns of its own, you need to find a way to make the holiday special without spending a lot of money. Fortunately, there are plenty of great ways to spend the holiday without breaking the bank. The 4th of July does not have to be about fireworks. Get to the core of the holiday by celebrating country and family.

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5 Tips for Saving Money the Old Fashioned Way

Jessica Bosari — Thu, 01 Jul 2010 00:14:38 +0000

In a time of high tech, many of us are surprised to find that the old ways are still the best ways when it comes to saving money. The same things that helped our great grandparents through the Great Depression can help us now. Our troubles today are nothing compared to life then, so imagine how much more powerful their techniques can be for us now. Here are five time-tested, proven ways to save money that will probably never change. Read the rest...

Hate budgets? How to Save Money Anyway

Jessica Bosari — Sun, 27 Jun 2010 19:26:33 +0000

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The word ‘budget’ can sometimes be intimidating. It means that you will have to watch what you are spending and account for where your money goes. Many people will say that drawing up a budget can be just as difficult as following it. "Budget" may feel like a four letter word, but it doesn't have to.

Tips for Managing Unhealthy Spending Sprees

Jessica Bosari — Wed, 23 Jun 2010 16:43:33 +0000

Those with ADD and Bipolarism are particularly susceptible to spending sprees during high-energy episodes, when the drive of the personality trait overcomes the logic of the calmer mind. But unhealthy spending sprees can happen to any of us, especially during times of high stress. It often starts benignly. You purchase something you have been holding off from buying. Then, you decide it’s time to fulfill another desire if you can find it on sale. Before you know it your shopping around and buying much more than you set out to. Sometimes it can run into hundreds or even thousands.

So what can you do to prevent a spending spree or at least curb one that has begun? Here are a few tips to help you manage the spending spree monster.

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How to Live Happily Ever After: Tips for a Financially Sound Marriage

Jessica Bosari — Wed, 23 Jun 2010 01:27:36 +0000

According to a study by Smart Money and Redbook magazine, 70% of married couples argue about money. In fact, it’s the culprit in about 50% of the marriages that fail. This problem stems from the fact that in most relationships, there is a “spender” and a “saver.” Without proper communication, these two personalities can clash, leading to arguments, stress and unfortunately divorce. Most psychologists agree that having a financially healthy relationship begins before couples tie the knot, and the following tips and ideas can help couples get on and stay on the same page regarding money.Read the rest...

Your Questions About Homemade Laundry Detergent Answered

Jessica Bosari — Thu, 17 Jun 2010 23:13:51 +0000

Yes, you can make your own laundry soap. How do you do it?

Making your own detergent isn’t all that difficult. All you need is one bar of your favorite soap, one box of washing soda, one box of borax a five-gallon bucket. It only takes a few minutes of your time and many people swear by it. Still, I've got a few more questions about it. Here's what you need to know and the questions I'm asking about homemade laundry detergent.Read the rest...

How to Save a Fortune on College Tuition

Jessica Bosari — Wed, 16 Jun 2010 16:29:33 +0000

The following is a guest post by Neal Frankle. He's a Certified Financial Planner and blogs at Wealth Pilgrim. Neal writes about taking action steps to improve your financial situation and finding balance at the same time.Read the rest...

Road Travel Food on a Budget: 13 Great Tips

Jessica Bosari — Mon, 14 Jun 2010 19:45:50 +0000

Weekend warrior or weeklong wandering, road trips are great low-budget getaways. Here are some tips to keep your stomachs from growling and your wallet from emptying...and don't worry, I'm not going to tell you to try road kill! Read the rest...

How to Un-Spoil Your Kids

Jessica Bosari — Thu, 03 Jun 2010 00:36:28 +0000

No wants to tell their kids no. Our kids would never believe it, but we hate saying no to them. And some of us give in to that feeling a little too often. Our kids begin to expect more and more. They think they need those expensive toys advertised on TV and the clothes they see in music videos. As parents, we need to be vigilant and say no to overpriced goodies and unnecessary baubles. It’s a part of teaching our kids to be smart, self-sufficient adults who can afford to live the life of their dreams. Saying no to little things now is saying yes to happiness later.Read the rest...

FTC Aims to Teach Children to Resist Advertsing Messages

Jessica Bosari — Mon, 31 May 2010 16:56:32 +0000

As we all know, billions of dollars are spent every year on advertising by businesses, large or small. In many cases, it is beneficial to both consumers and competing businesses. Consumers get needed information to select which products to purchase and use. Businesses can draw benefits from advertising by measuring what customers want and innovating in order to stay one step ahead of their competitors.

As children are increasingly becoming a large part of the marketplace, they are also targeted by advertising and marketing campaigns. This makes them likely to see advertisements in many different places. The Federal Trade Commission (FTC) has started a creative campaign to educate kids between the ages of 8 to 12 about advertising and how to develop critical thinking skills when seeing ads in just about every part of their daily lives.
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When Your Child Needs a Financial Education After College

Jessica Bosari — Fri, 28 May 2010 00:41:55 +0000

You struggled to offer your child the opportunity of a college education; your child struggled to finish and earn that valuable degree. But has the academic experience prepared your child for the demands of life that awaits them? If you shield your children from the difficulties they will most certainly face after college, you won't be doing them any favors.

The truth is that the students in college today have fewer job prospects than ever before. According to a study from the Economic Policy Institute, the unemployment rate for college graduates under 25 is around 9.0%, compared to 5.4% 2007¹. What can you do to prepare your kids for the harsh realities of fewer jobs, weakened earning potentials, and higher living expenses? Its never too late to begin their financial education.Read the rest...

How a Strong Community Becomes a Frugal Family's Heaven

Jessica Bosari — Wed, 12 May 2010 18:46:55 +0000

We’re lucky to live in our neighborhood. A walk down the street that should take 5 minutes is stretched out to 20 with all the “hellos” and “howyadoins.” We watch out for each others’ kids, and yes, we rat them out when needed. But a strong community does more than provide a sense of security and togetherness. Strong communities help frugal families save money in the most pleasant wayRead the rest...

Save Money with Kids Clothes That Don't Wear Out...Ever!

Jessica Bosari — Tue, 04 May 2010 14:55:50 +0000

Wouldn't it be nice if you could be sure that the pair of sneakers you buy your eight year old would still be intact when it came time to buy a bigger size? Well, now you can, at least until your child nears pre-teen. Sears has a program that few know about, even though it has been around for a while. It's the KidVantage program. It's easy to enroll and can save you 15% on clothes and offers replacements if the clothes wear out before your child needs the next size.Read the rest...

Tips to Save Money on Your Wedding

Jessica Bosari — Mon, 19 Apr 2010 11:51:53 +0000

Financing a wedding can easily get out of hand -- if you let it. In 2009, according to The Wedding Report, the average U.S. wedding cost $19,581, which is actually down from 2007’s $28,732. Luckily, you don’t have to go into debt to get married. Shop around, compare prices and take a non-traditional route for a dream wedding at a budget price.Read the rest...

How To Save Cash on Summer Camp

debbiedragon — Fri, 02 Apr 2010 13:47:11 +0000

Summer camp provides many opportunities for kids during their time off. It also offers an alternative to day care for many parents. Not only are summer camps a great opportunity for kids to get away camps also offer learning and social opportunities that are not otherwise possible. Read the rest...

Tips For Buying Gently Used Kids Clothing

debbiedragon — Thu, 01 Apr 2010 18:15:41 +0000

Spring has finally arrived indicating it is time to pack up the winter wear and bring out warm weather clothes. Parents of young children know this is the time of year to clean out kids' closets and prepare to buy an entirely new wardrobe. Most kids grow so fast that last seasons gear is not going to fit the bill for the coming summer. You may be working with a limited budget or find it wasteful to pay top dollar prices for items that will only be worn for a few months. In either case it helps to know you can save a lot of money by purchasing gently used second hand clothes. The following tips will ensure you are getting a good deal.
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Five Ways to Start Saving Now for the Holidays

billeater — Thu, 01 Apr 2010 21:39:57 +0000

When is a good time to start saving for the year-end holidays? Any time, of course! Here are five ways to get started on your holiday shopping fund now.

Spare Change

Do you stop and get a cup of coffee on the way to work? Buy lunch at the café down the street? Get candy bars from the vending machine? Any time a small purchase is made with cash, there’s the inevitable change. It’s annoying to have the stuff accumulate in the bottom of a purse or in the unused ashtray in the car. Why not collect those coins? Manage to put a minimum of just 25¢ each day and by the end of the year, you should have close to $100 put aside.Read the rest...

Looking Good At Work – Save Money on Work Clothes

debbiedragon — Fri, 26 Mar 2010 17:55:17 +0000

Looking professional and feeling comfortable at work is important but it doesn’t have to break the bank. Here are some simple tips to save money on clothes for work.

Take Inventory of Existing Clothes

Before heading to the shops to purchase new clothes take a trip into your closet and make an inventory of items. This way you will see what should be purchased and you may be surprised at the available outfits that are hiding in there. If there is a definite glut of black pants hanging up, then when shopping steer clear of the black pants rack.Read the rest...

Money Saving Tips on Tipping

debbiedragon — Tue, 16 Mar 2010 18:50:12 +0000

There was a time when tipping was not as complicated as it can be today. In our society there are so many rules and expectations that it is sometimes difficult to know what is expected when it comes to gratuities. Who gets them and how much is appropriate? In some cases it is quite obvious who gets a tip, however in other situations the lines become blurred. It is important to know when a tip is expected and how much should be given to save money during your day-to-day outings. Here we look at some common issues surrounding tipping, reducing confusion and saving you more money.
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How To Save Money During a Move

debbiedragon — Fri, 12 Mar 2010 21:18:57 +0000

Moving is an exciting time but it also comes with a lot of stress. Extra financial burdens are also added in to the mix and when there are unexpected expenses, it can make the entire situation much less fun.

Moving can get expensive because there are so many things to take care of at the same time. Here are some tips to help your move go smoothly and be a frugal adventure to the start of a new life:

Plan Well in Advance
There are a lot of different aspects to a move. You need to sit down and create a list of to-do items so you’ll not risk missing something during the process that may end up costing you a fortune.Read the rest...

How to Save on Childcare

Fri, 05 Mar 2010 15:11:17 +0000

The tough thing about childcare is that this is the most important decision you can make – to whom do you entrust your most precious treasures? And how can you possibly complain about the expense?

It’s important to remember is that the only thing that matters with childcare is quality. Many times a higher price is indicative of quality, but like many consumer goods and services, this is not universally true.

In fact, many high-quality, in-home childcare providers will charge only a nominal fee to supplement their household income. These are the ones you want to find; they’re providing childcare because they want to—it’s not a business for them. Read the rest...

How Losing Weight Saves You Money

Sun, 28 Feb 2010 16:59:00 +0000

Two of life’s most difficult problems: Losing weight and saving money. However, if you combine these two goals into one effort, you might just be able accomplish both at the same time.

Save on Your Food Bill

You can make a dramatic weekly savings simply with your shopping bill. A big cause of weight problems comes from ready meals and pre-packaged goods. Start shopping more on the outer rim of the grocery store – that’s where the healthier foods are located. Snack on fruits and nuts instead of the expensive boxed and individually packaged snacks.Read the rest...

Reap The Savings Of A Home Garden

debbiedragon — Wed, 17 Feb 2010 16:06:00 +0000

Gardening is becoming an increasingly popular pastime for many consumers. People who have home gardens spend less money at the grocery store and find the hobby both financially and physically rewarding. In addition to these benefits, gardening is a proven stress buster and great activity that can be enjoyed by the entire family. If you do not currently have a home garden you might be surprised just how much fun you can have by digging in the dirt and watching your crops grow. Here we look more closely at the benefits of a home garden.Read the rest...

Little household things that add up to big savings

Jessica Bosari — Wed, 03 Feb 2010 12:21:57 +0000

It’s true that it’s the little things in life that really count. Money saving is not much different. When you’ve cut all the big expenses and think there’s nowhere else to cut, it’s time to start looking at the smaller ways in which money is leaking from your wallet. These small household tips and tricks can save you hundreds if not thousands on your grocery and household expenditures.

A Little Dab Will Do Read the rest...

Guide to Saving Money on Your Move

Jessica Bosari — Sat, 30 Jan 2010 12:53:37 +0000

Many of us find ourselves needing to move lately. Sadly, many are moving out of necessity rather than choice. When times are tough, it’s more important than ever to find ways to cut expenses and moving is one of the most expensive things you can do. Here’s a handy guide to make your move more affordable.

Before the Move: Minimize the Load Read the rest...

How To Entertain Your Kids On A Budget

debbiedragon — Wed, 27 Jan 2010 00:48:37 +0000

Parents have been faced with the challenge of entertaining their kids for generations. Today we have more options then every before, however over the years some forms of entertainment have become quite expensive. Play time doesn't just make happy kids; spending time enjoying life together reinforces family connections making everyone more relaxed and happy. Here we will look at ways to bring your family together for some fun and entertainment without breaking the bank.Read the rest...

Save Thousands on Childcare with a Parenting Coop

Jessica Bosari — Thu, 31 Dec 2009 00:59:47 +0000

Daycare is expensive, sometimes prohibitively so. Parents with more than one young child can find themselves paying $400 a week or more just so they can go to work. For many parents it’s cheaper to stay home than it is to work.

But it doesn’t have to be that way. You can get together with other parents and arrange a parenting cooperative, sometimes called a child swap, so a different parent cares for the children each day of the week. Read the rest...

Money Savers for the Entire Family

debbiedragon — Mon, 21 Dec 2009 17:15:20 +0000

Family life can get expensive. After budgeting for the necessary expenses such as meals, electricity, rent and telephone most families usually have little leftover forthe fun stuff. Saving money can be easy when the whole family helps out spending time together and saving money doing it. If saving money is done in small steps it usually will have little impact on the overall quality of life. Read the rest...

Save money on Christmas gifts

Tyra — Mon, 14 Dec 2009 12:15:55 +0000

It's officially the holiday season! Sure, the spirit of giving is still in the air, but citizens from coast to coast are on a noticeably smaller budget this year, and may have to scale back on everything from holiday meals and entertainment to gifts and decor. Fortunately, a great gift is all about making it personable, thoughtful, creative and unique and definitely NOT about price. It is one hundred percent possible to have a wonderful holiday and give great gifts without spending a fortune. We put together a list of some thoughtful and frugal gift ideas for everybody on your list this year!

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4 ways to save on Christmas Gift Wrapping

Jessica Bosari — Fri, 11 Dec 2009 18:57:04 +0000

While wrapping Christmas gifts this morning, it dawned on me just how much money I saved by keeping my gift-wrapping simple this year. Always one to decorate my home lavishly for the holidays, I even make an effort to choose wrapping paper that compliments my décor. This year, I still decked out my home out and still chose wrapping supplies that complimented the décor, but I did it cheaper by choosing my gift-wrapping carefully.

Bulk Wrapping PaperRead the rest...

Simple Money Saving Tips that Still Work

debbiedragon — Thu, 10 Dec 2009 20:28:11 +0000

Search for coupons. There is an overabundance of coupons available that can save you hundreds of dollars a month. Don’t just in Sunday’s paper but in the free publications that you get delivered in your mail. The advertisement flyers that are dropped at your doorstep offer dollars off for meals, vendor services and even home repair. The Laundromat or the local pizza shop may have a stack of old papers with valid coupons. Use your time wisely. When you are doing your laundry you can be skimming the paper for valuable savings.
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Six Ways to Save on Baby Expenses

Jessica Bosari — Wed, 09 Dec 2009 12:31:56 +0000

Expecting mothers have many challenges, especially when going it alone. Statistics say that raising a child can cost you about $175,000, not including school and college tuition, so the actual cost is much more. That works out to about $800 per month. Knowing how to save money on baby expenses from day one can help you reduce that figure. Read the rest...

How To Keep Child-Rearing Costs Down

debbiedragon — Fri, 04 Dec 2009 16:06:38 +0000

Raising children is a wonderful adventure, but also an expensive one. According to the latest report released by the Department of Agriculture, in 2008 it would cost a typical middle income family $221,190 to raise a child birth through 18. This includes food, clothing, and shelter. The average American family has approximately 2 children. Of course children are priceless, but there are ways to save on the cost of raising them.Read the rest...

Four Ways to Save on the Holidays

Jessica Bosari — Fri, 04 Dec 2009 21:04:23 +0000

We’re all feeling the pinch this holiday season. All too often, we overspend in December and then feel the pain in January. By spending our money wisely during the holidays, we can have just as much fun without the old familiar January pain. Because this will take a little planning, sit down right now and take notes on the four best ways to save this holiday season. Read the rest...

How to save money on small everyday expenses

Tyra — Thu, 03 Dec 2009 01:56:12 +0000

The key to saving money is spending less of it. When most of us decide that we would like to save some cash, we look first to the biggest expenditures on our budgets: rent/mortgage, car payments, tuition, electric bills, 401K's, retirement savings and other big costs. However, you can only cut down so much on these necessary costs. Don't overlook small everyday purchases that can be eliminated altogether, purchased less often or purchased cheaper. Let the small changes add up to a big difference. Each idea that made this list is a small, subtle change that will make little, if any difference in your daily life. They are things that are easy to do, and things that you won't feel like you're "going without". Heres a few ideas...

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Tips for Spending Less But Giving More

debbiedragon — Wed, 25 Nov 2009 16:03:44 +0000

Giving gifts to family and friends can be one of life’s biggest joys...and expenses.With the holidays around the corner, gift giving season will soon be in full swing, but of course there are year round opportunities to give-birthdays, anniversaries, graduations, wedding showers or just because.Read the rest...

Cheaper haircuts, barber and salon visits

Tyra — Tue, 17 Nov 2009 12:07:11 +0000

Our hygiene and appearance says a lot about who we are and what we do. Ladies may choose to style their hair in trendy, and fashionable styles to reflect their personalities, whereas business men and women may require a clean-cut, professional look to give their clients and coworkers the best impression. No matter who you are, or what kind of style you are looking for we have some money saving tips for your barber and salon visits.

Read the rest...

11 ways to save money on your winter wardrobe

Tyra — Tue, 17 Nov 2009 12:02:00 +0000

Winter, being the extreme season, means that it requires a different wardrobe...full of warmer clothes to keep up with the weather. Even in the warm south, they have their sub-freezing days. Logic says that warmer clothes use more material of a thicker, more durable (and pricier) fabric. And, if you have kids, last year's winter clothes won't fit, unless you have a good "hand me down" matchup. Keep cozy while keeping your wallet fuller by shopping smart for winter clothing. Heres a few ideas: Read the rest...

Frugal Feast - Saving money on Thanksgiving Day

Tyra — Tue, 10 Nov 2009 02:09:49 +0000

Ah, the holiday season has arrived once again. Family and friends are all around, gifts are being given and received, you've gotten a little time off work, and can sense the general cheer in the air.

Those of us that have experienced a few holidays know that the cost of it all can really add up, whether its shopping for everybody on your gift list, decorating for the season, or preparing the perfect holiday dinner. Get off on a frugal foot this year by saving money on the first big gathering and meal of the season, Thanksgiving.

Here's how...Read the rest...

Lost Your Health Insurance? Don’t Panic

debbiedragon — Sat, 24 Oct 2009 14:39:52 +0000

In 2008, approximately 15% of the population, according to the Census Board, was without any type of health insurance. That represents approximately 46.3 million people. Most people are insured through their employee programs. Other providers are Medicare and Medicaid. What happens if you lose your benefits?If you become seriously ill or disabled, chances are that you will invest your cash in your own welfare, and spend your money on hospital charges. It happens.

If you have no insurance and need medical attention don’t be afraid to negotiate for a better price. It sounds odd to be haggling with a health care provider but it is something you have to learn how to do if your insurance disappears.When looking for new health insurance because, your policy has run out, or you have been laid off, there are several places that specialize in helping people find affordable coverage:
Read the rest...

Save money on halloween

Tyra — Sat, 17 Oct 2009 16:00:51 +0000

Halloween, like any other holiday is a time for fun for people in all walks of life, but the expenses of decorating, entertaining and dressing up sure can add up. Don't ruin the holiday fun by spending too much money and then fretting over it. There are plenty of ways to offset costs without affecting the fun factor. Have a fun, safe, and frugal Halloween this year by sticking to a few money-saving guidelines. Read the rest...

Tips for Trimming Your Grocery Bill By Up to 50%

debbiedragon — Fri, 02 Oct 2009 18:31:27 +0000

In today’s world, so many of us are looking to refine our household budgets. One area that can be tricky for many of us is the food bill. Let’s face it, we are all very busy and the food industry knows it. They have catered to our busy lives, while taking our hard earned money and running with it. If you typically eat out a lot, purchase pre made foods or just head to the grocery store without a meal plan and a grocery list, you are overspending. Let’s take a look at some tips you can use to shave your food bill by up to 50%.
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Ten ways to save money on eyeglasses and contacts

Tyra — Wed, 16 Sep 2009 14:26:15 +0000

If you are a glasses or contact lenses wearer, chances are you have dropped $300-500 on routine care and/or a pair of glasses, only to find out later you could get a similar, if not exact package for much, much less. Be smart about your eyes, and save money on glasses, contacts and eyecare. Here's a few ways how...
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Save money on back to school children's clothes

Tyra — Mon, 24 Aug 2009 03:18:48 +0000

Kids headed back to school, and you haven't picked up the new clothes they need yet? It's intimidating, right? Getting ready to unload hundreds of dollars at the time you can least afford it. Try out a few of our tips below to reduce your anxiety and get the outfits your children need at a reasonable price...Read the rest...

Ten ways to save money during pregnancy

Tyra — Sat, 25 Jul 2009 15:09:58 +0000

Being pregnant is and an exciting time in any couple or family's life, you are blessed enough to have the responsibility of bringing a whole new person into this world. However, the cost of maternity is more than you would guess. Did you know that the average healthy delivery costs between $5000 to $8,000 dollars, and a few thousand more for a more complicated C-section delivery.Between the Lamaze classes, clothing, regular medical check ups and childbirth and labor you may just find yourself in a tight squeeze even before baby is born. Learn how to cut a few corners and save money during your pregnancy with our list of the top ten tips for saving money during pregnancy. Read the rest...

Teach Kids how to Manage Money

Tyra — Sat, 25 Jul 2009 15:43:33 +0000

As a parent, it is your job to teach your children lifelong lessons and strategies to succeed in the "real world", and schools can only teach so much. Money management is obviously one of the most important components of adulthood, you use money to pay your rent, utilities and other bills. Unless children are taught otherwise, they may just grow up without the skills they need to be successful. Take an active part in your child's upbringing and teach them the value of a dollar. Here is a few ways how...Read the rest...

Dorm Life - Cheap College Living Tips

Tyra — Thu, 09 Jul 2009 12:42:32 +0000

Few things are as a great as an investment as a college education, with it, you'll equip yourself with the skills and knowledge for a successful career, and guard yourself against future financial difficulties. That said, it sure is hard to stay within budget while attending college. We understand, and have put together a list of a few tips and tricks to save you money during your college years. Read the rest...

Have a Fun and Frugal 4th of July

Tyra — Fri, 03 Jul 2009 23:26:00 +0000

If you haven't noticed yet, we here at Billeater sure love celebrating holidays, and the closest one on the calendar is the fourth of July! The good thing is that during this holiday, its super easy to have a great time and not spend a ton of money. The most important things are fun, friends, family and pride! Browse our list of tips and tricks and have a grand time this year while staying within your tight budget. Read the rest...

Nine ways to save money on toys

Tyra — Sat, 27 Jun 2009 17:55:02 +0000

No doubt about it, kids love toys and everything about them. However, with the growing prices and all the brand new toys that come out seasonally, keeping up can be expensive. You can afford to cut back on toy expenses without losing any of the fun of playing. We put together an extensive list of the top nine ways to save money on toys and games, no matter how many fads there are. Read the rest...

27 ways to save money on babies

Tyra — Sun, 21 Jun 2009 14:15:00 +0000

Ask anybody that has had a baby, it is not cheap. Adding up all the costs is enough to make some people think twice before having a child, or if you already have them...stress out about it further! An uneventful delivery alone, not including prenatal care and follow up, can cost $5,000-$10,000!Read the rest...

Part time jobs for teenagers and students

Tyra — Thu, 11 Jun 2009 02:08:24 +0000

In the United States, teenagers are legally allowed to start work at sixteen years of age. And in some cases, like hardship situations, teenagers can begin working at age 15. Working students and teens generally start their shifts after school, and on the weekends. Some students choose to only get "summer jobs", and focus their attention on academics during the school year. Either way, part-time employment for teens can be fulfilling, fun and a great hands-on learning experience.Read the rest...

Top 11 tips for an inexpensive kid's birthday party

Tyra — Wed, 03 Jun 2009 10:40:46 +0000

It's no secret that children and babies, as cute as they are, are not cheap. Birthday parties can have huge price tags, and they do come annually. No, you don't have to order catering, have a limo, or hire a clown to give your child a special and memorable birthday party. Here's our 11 top tips on fun and frugal children's birthday parties. After all, it's not supposed to cost as much as wedding... Read the rest...

Teach kids to manage money...with an allowance

Tyra — Sat, 30 May 2009 12:03:22 +0000

Want your children to learn the true value of a dollar and equip them will life-long skills involving money? Try giving them an allowance. The majority of professional financial advisors agree that giving an allowance is a hands-on way to teach a child financial responsibility. Think that you can't afford it? Think harder.Read the rest...

Summer entertainment for familes on a budget

Tyra — Thu, 14 May 2009 11:45:19 +0000

As the school year comes to an end, many parents go into panic mode. The realization hits you, junior will not be going to school this morning bright and early. Instead, he will be staying with you. As enjoyable as it is to have more time with the kiddos during the summer, the fact of the matter is they often get bored. Weekly visits to water parks, restaurants, festivals, carnivals, museums, and other fun outings can really start to add up.

We have complied a list of ideas for entertaining the kids during the summer months that won't take money away from their college funds. Oh, and trust us, Junior won't notice the price difference.Read the rest...

FAFSA Grants and Loans for College

Tyra — Mon, 11 May 2009 22:55:45 +0000

Yes, its true, school is expensive. With tuition, books, the cost of dorm living, travel, and other necessities, the bill for getting a higher education stacks up. Its unfortunate to see those with lower incomes give up on their dreams because of a financial brick wall. Uncle Sam wants you to go to school, there are so many resources out there for anybody with dreams of a higher education.Read the rest...

Top tips for cutting child care costs

Tyra — Sun, 10 May 2009 16:40:02 +0000

Working families spend around 7% of their annual income on child care. Of course, child care is one place where you want to be careful about cutting corners. There are however, some safe and painless ways to reduce the cost of ensuring your little one is cared for when you are away.

How much does childcare cost?Read the rest...

WIC: Receiving food assistance

Tyra — Tue, 05 May 2009 23:12:24 +0000

In simple terms, the WIC program provides free staple items like milk, bread, baby formula, yogurt, cereal, and cheese, and other food to pregnant women and new mothers. Want to know how to apply for WIC assistance? Read on...

Officially, The Special Supplemental Nutrition Program for Women, Infants, and Children (commonly known as WIC) is an assistance program regulated by the federal government under Food and Nutrition Services (FNS), a division of the United States Department of Agriculture (USDA).Their stated mission is "To safeguard the health of low-income women, infants, and children up to age 5 who are at nutrition risk by providing nutritious foods to supplement diets, information on healthy eating, and referrals to health care."

Read the rest...

Applying for a Medical Card...Who can apply...and how...

Sun, 28 Dec 2008 18:36:08 +0000

The medical card enables low-income or zero-income families to receive the health care they need through government programs. Each region has different income qualifications, but the card does enable recipients to get the health care necessary for day-to-day life.
A medical card provides a variety of benefits for low-income families. The medical card provides health care and prescriptions either at no cost or wither very low per-visit copayments.Read the rest...

Start saving for your child's education by buying groceries and dining out ?

billeater — Sat, 01 Nov 2008 12:39:40 +0000

Okay, sounds funny, right? Saving money for college by purchasing groceries, dining out, shopping at department stores? Does sound funny, but it's true. There's a free service called Upromise that will save a portion of the money (up to 8%) you spend on these things aside for you. They have a ton of partners, including:

600 online stores ( target.com, apple.com, sears.com, homedepot.com, etc)
8000+ restaurants ( fast food to five star restaurants )
21,000+ grocery and drugstores

How It Works:Read the rest...

Save money on high chairs, strollers, bouncers, baby monitors and more

billeater — Sat, 30 Aug 2008 06:00:00 +0000

Consignment stores that specialize in gently used items for babies tend to be very picky about the items they will accept, so they are a great place to find items like baby clothes, cribs, high chairs, strollers, bouncers, and baby monitors, and more. And, if you can't find a consignment store in your area, there's some great internet resources as well. Do see our special note at the bottom of this article about safety.

There's at least one national chain with local stores:

Once Upon a Child

Also check your yellow pages for local consignment and second-hand stores.

Additonally, there are some great internet resources to check ...Read the rest...

Store brand diapers ...cheaper than name brand, but are they good ?

billeater — Thu, 28 Aug 2008 06:00:00 +0000

You can save quite a bit of money by purchasing certain store brands of diapers instead of buying a brand name like Huggies, Pampers or Luvs.

Target brand diapers worked very well for us, and we weren't able to tell the difference between them and the more expensive Huggies brand.

Check out this comparison chart:

Brand     Count   Price  Price per diaper

Pampers      88  $19.00  22.7 cents
Huggies     112  $16.99  15.1 cents
Target      112  $10.59   9.4 cents

Of course, the quality does vary, so you may have to try a few brands first.