My 4-year-old daughter is doing a Joy School preschool where she rotates going to friends homes to learn. I am part of the rotation and teach the kids every 8 weeks. For one of the days I taught preschool, I decided to make blue homemade play dough because we were learning about ice. I thought it would be fun to have them make igloos with the play dough, as well as practice their letters. A friend sent me this play dough recipe and it’s so easy to make! Plus, it’s much less expensive than purchasing play dough at the store. Here are the step-by-step instructions of how to make homemade play dough:
When I was going to college full time, I had a part time job and wasn’t making a lot of money. I didn’t want to take out a loan, so I tried to be as frugal as possible by managing my paychecks and paying for rent and food each month, and then saving as much money as possible so I could pay for each semester. You can read more about how I almost paid for college without taking out a loan here. It wasn’t easy. And there were months where I was barely scraping by from paycheck to paycheck and wasn’t able to put money into savings.
After I married my husband and we had our first child, that first year when I was a stay-at-home mom was challenging as we went from two incomes down to just one. We had to figure out how to make it work each month to solely live off my husband’s paycheck, and there were some months where we barely had enough from our paycheck to cover all of the bills. Even though those were hard months, we luckily weren’t at the point where we were living paycheck to paycheck. If for some reason my husband was suddenly unemployed, we would still be able to meet financial obligations for a short time because we had savings. We didn’t want to touch that savings unless it was for an emergency because we knew that if we had to regularly dip into our savings each month to pay bills, we would soon find ourselves in an extremely stressful and difficult situation. So we found ways to live frugally.
If you find that you can’t sustain yourself a few days without a regular paycheck coming in and you have to rely on each paycheck to manage your day-to-day life, then you won’t be able to plan ahead for unexpected situations that might occur, like a trip to the doctor’s office or a broken down car. You’ll end up using a credit card then have to work hard to try to pay it off. There are a number of reasons someone may end up living paycheck to paycheck. It could be an event outside their control or it could be a result of their own financial choice they made. Either way, it’s a stressful way to live.
I want to share with you some tips on how to stop living paycheck to paycheck and start saving money. It won’t be easy. It will take dedication and determination, and you’ll have to make sacrifices along the way, but in the end it will be worth it. You won’t have the stress of debt or trying to come up with money for the things you really need or those unexpected situations that might arise. Here are 5 tips to get out of the paycheck-to-paycheck cycle.
My 16-month old baby boy had to have surgery on his tear duct a few months ago, and it was really difficult to go through.
Since the time my baby boy was born, his left eye has been goopy and weepy. Our pediatrician said that most children outgrow it, and we thought that’s what would happen. But his eye never got better. We finally went to see an eye doctor at Primary Children’s Hospital. At the end of the exam, the eye doctor said surgery was needed and that there was either a membrane clogging the tear duct or the tear duct was too small when he was born. After many prayers, we went ahead and scheduled the surgery.
Once the day of the surgery arrived, I was really nervous. Even though I knew this was a minor surgery and the doctor had done this type of a procedure thousands of times, I was worried about complications during the surgery or how my baby would react to the anesthesia. We arrived at the hospital early on a Thursday morning and checked in. We were taken to a room where a nurse did a health exam, and then we sat in a waiting area until the doctor came out to talk with us for a few minutes followed by the anesthesiologist talking to us.
Whether it’s raising kids, working outside the home, running children to activities or keeping the house clean, all of us are busy. And trying to come up with a meal to cook each night can be challenging, especially if you wait until the last minute to decide what to cook and it needs to be on the table quickly. I’ve found that if I do a few simple things in advance, meal time runs smoothly and isn’t stressful. Here are 6 ways to make meal planning successful and make it easier on you every night.
One of the top new year’s resolutions for many people each year has to do with their finances and spending less, getting out of debt and saving money. Here are 7 articles to help you with budgeting, saving money and becoming financially fit this year.
Since groceries is one of the largest monthly bills for families, read How to Determine a Grocery Budget and How to Buy Groceries on a Budget.
And here’s an extra way that I save more money on groceries.
The cost to make a Thanksgiving dinner can add up. Here are 6 Tips to Save Money on Thanksgiving Dinner.
It’s fun to do activities with your kids for Thanksgiving. Here are 20 Fall & Thanksgiving Activities for Kids.
If you plan to shop on Black Friday, read these 5 Tips How to Shop the Black Friday Deals.
September is national emergency preparedness month, and it’s a good time to get an emergency car kit together before winter comes. Since purchasing our new vehicle with cash this past year, I’ve been thinking a lot about compiling an emergency car kit just in case anything happened while we were away from our house. We had some of the needed items in our car, but there is definitely more things that would be important to have on hand in the case of an emergency or being stranded by the side of the road.
While looking online, I found pre-packaged Emergency Car Kits ranging in price from $25 to $70 or more. In order to save some money, I decided to assemble my own emergency car kit. Don’t feel that you have to purchase everything for your emergency kit right now. Start out slowly by purchasing a few of the items you feel are most important, then save your money for the other items that cost more. I started out and put together a basic emergency car kit and will continue to add to it as we have room in our budget or we decide we should have that specific item. At least we have some basic items we need for our emergency car kit, and that’s better than not having anything at all.
There were many items on the list that I had around the house that I didn’t need to purchase. I just had to take time to put them in the container in the car. And there were some items I was able to find for a good deal. For those items that don’t go on sale, you’ll want to set aside and save money each month until you can purchase them. Here’s how to build an emergency car kit on a budget.
With the school shopping complete or nearly complete, the kids are headed back to school. But one thing you still need to think about is school lunches for your children. My daughter will be in first grade this year, which means she will be eating lunch at school. However, paying for cafeteria lunches each day can start to cost a lot. With some planning and preparation, you can pack school lunches for your children that are nutritious and yummy, and if done correctly, can actually be cheaper than buying lunch. And packing school lunches doesn’t have to be too much of a hassle. Here are 7 ways to save money on school lunches.
Since this school year is about to begin, I decided to make a magnetic chore chart for my girls so they get into a routine again before school starts. Who knew that kids could be so excited about a chore chart. They helped me to make it and hang it up. And every morning they run over to the chore chart to see what new chore they’ve been assigned in addition to their daily chores. I’m sure the newness will wear off soon, but as of now they are enjoying it. This magnetic chore chart is simple to make and doesn’t cost too much. Here’s what you’ll need to make it: