4 Important Steps to Get Out of Debt

get-out-of-debt-final-jpg

Living with debt can be stressful, and once you are in debt, it’s hard to get out of debt. The average household has about $132,000 in debt, which includes mortgages, and the average household with credit card debt has balances totaling about $16,000, according to the American Household Credit Card Debt Study.

When you don’t have enough money to pay the bills and you continue to accumulate debt, it becomes a heavy burden. Getting out of debt and staying out of debt is not an easy thing to do. If you want to get out of debt, it’s going to take sacrifice, discipline and hard work, but in the end it will be worth it. Once you get out of debt, that burden of debt hanging over you will be gone, and you’ll have a financial peace of mind. You’ll also be able to take that money that was once going toward debt and instead use it to do things that are important to you and your family, because life is about enjoying things that matter most.

Here are four important steps to help you get out of debt so you can put yourself in a better financial position. This is your year to get your finances in control!

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.

How to Vacation at Disneyland on a Budget (Part 2)

how to vacation at disneyland on a budget part 2

As you might know, our family went to Disneyland at the end of September. It was so much fun! If you missed reading How to Vacation to Disneyland on a Budget (Part 1), head over here. I share how much our trip cost and how to save money on Disneyland hotels, tickets and souvenirs. I’m not an expert at Disneyland, but I researched a lot of information about how to save money and save time at Disneyland. I’ve compiled the tips below and am sharing our experience with you how we vacationed at Disneyland on a budget.

 

While we were at Disneyland and Disney California Adventure, I put together a video of how we vacationed at Disneyland on a budget, as well as fun rides and parades we did as a family. After you watch the video, be sure to read this post and also How to Vacation at Disneyland on a Budget (Part 1) to get even more details. If you can’t play the video above, head over here to my YouTube channel to view it.

 

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.

How to Vacation at Disneyland on a Budget (Part 1)

how to vacation at Disneyland on a budget

Welcome!

I’m glad you stopped by! Today I want to share with you how to vacation at Disneyland on a Budget.

My family had a chance to go to Disneyland this year during Halloween time, and it was so much fun! This is the first time we have been to Disneyland as a family. We have been saving for two years to be able to go. The way we saved was that every month as we had extra income, we would place money in our “Vacation” envelope. Sometimes it was $20 and other times it was $100 or $200. We also used some money from our tax returns each year to set aside additional money. In addition, we involved our children by talking about our goal to go to Disneyland and we made Disneyland jars for our girls so they could help save money. Every time they earned money, they would add it to their jar. My girls were so excited that they would ask to do extra chores around they house so that they could earn money for their Disneyland jars. Our whole family was involved in saving to go to Disneyland.

I’m not by any means a Disneyland expert, but I researched a lot of information about how to save money and save time at Disneyland. I’ve compiled the tips below and am sharing with you our experience and how our family vacationed at Disneyland on a budget. And many of these tips could be used to help your family save money and time at Disneyland. After you read these tips, head over here to read How to Vacation at Disneyland on a Budget (Part 2). And if you want even more tips, get the Disneyland on Any Budget book by Jessica Sanders from The Happiest Blog on Earth. She is a Disneyland expert and has useful information and tips on flights, hotels, rentals, food and more that will help you to visit Disneyland on a budget.

 

disneyland-jars

 

disneyland-jars-with-girlsSaving Money for Disneyland

 

Disneyland isn’t cheap! It costs a lot of money to go to Disneyland, but it is a fun experience for the family. If you plan on going to Disneyland, you’ll want to estimate that it will cost roughly about $3,000 to $4,000. How much it costs depends on how many people are in your family, if you fly or drive there, how long you stay, where you eat, as well as other factors. Our family of 5 spent about $2,500, with the largest cost being the hotel and Disneyland tickets. Here is the break down of what we spent:

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.

My After School Started Back to School Video Shopping Trip

Even though school has started where I live, I went back to school shopping with my kids to find some deals on clothes. It was a great way for me to teach my oldest daughter that you can find cute clothes that don’t cost tons of money. I also share in the video 7 ways to save money on children’s clothing. There are great deals on clothes right now as the stores are trying to close our their fall inventory to make room for their winter inventory. If you can’t play the video above, head over to my YouTube channel here to watch it.

This post may contain affiliate links. Read my Disclosure Policy here.

6 Tips for Going Back to School on a Budget

6 Tips for Going Back to School on a Budget

It’s almost time for kids to be going back to school, and back-to-school shopping can be hard on your wallet and can be a huge expense when it comes to spending money on the kids. Buying new school supplies, clothes, shoes, backpacks, lunch boxes, and electronics adds up quickly and can be expensive. Here are 6 tips on how to budget for back to school.

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.

8 Fun, Cheap and Free Summer Activities & Ideas

Summer Activites - Fun, Cheap and Free

I am so excited for summer and am looking forward to doing activities with my kids. Recently I had a friend ask me about easy, fun, cheap and free activities that she could do with the kids during the summer, so I’ve compiled a list of what you can do with your kids this summer that won’t cost you too much money.

1.) Kid’s Movie Clubs

cinemark summer movie clubhouse

Cinemark Theaters has the Cinemark Summer Movie Clubhouse where you can see kid-friendly movies all summer long for $1 or less. If you purchase 10 movies for $5, then it’s just $0.50 each show! Or there is an option to pay $1.00 for each show you attend. And all movies are rated G or PG. To get the tickets, go to the ticket office the day you are seeing your first movie and you can purchase a punch pass for $5.00. Parents and kids all get in for the same price. Head over to Summer Movie Clubhouse to see which Cinemark movie theaters are participating near you.

 

Regal Theaters 2016 Movies
Regal Theaters also has a kid’s movie club called Summer Movie Express where kids movies are only $1. The movies are G & PG. Just purchase the tickets at the box office. Head over here to see if there is a theater near you and to find out what movies will be playing.

2.) Kids Bowl Free

Kids Bowl Free Logo

Register your children at KidsBowlFree.com to receive two free games of bowling for each of your children daily during the summer. Keep in mind that you do have to pay for the shoe rental. To see which bowling alleys are participating near you, head over here. My girls have loved this activity every summer. My area in Tooele is not doing the kids bowl free program this year, but they do have a $2 Slammin’ Summer Special.

 

3.) Kids Skate Free

 

kids skate free

Select skating rinks across the country are offering a Kids Skate Free program this summer.  Head over here and pick your state to see if there is a participating skating rink in your area. Most ages that can skate free are 12 and younger. Keep in mind that you will have to pay for skate rentals. Not all states have this program set up, and unfortunately there isn’t a participating skating rink in Utah.

 

4.) Fun & Frugal Summer Activities for Kids

summer activities for kids
If you just want to stay at home and do some fun activities with your kids, try out these Fun & Frugal Summer Activities for Kids.

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.

7 Steps to Spring Cleaning the Bathroom

Spring Cleaning Bathroom

I try to do a weekly cleaning of bathrooms, but there are some weeks that I fall behind. I’ve noticed, however, that if I regularly keep on top of wiping down or cleaning the bathrooms then spring cleaning them doesn’t take me hours. Here’s what I do when I spring clean my bathrooms. First, I take a minute to gather all of my cleaning supplies. Below is a list of my favorite supplies I carry with me in a Plastic Tote Caddy when I spring clean the bathrooms:

DIY Cleaning Products: And here is a post of cleaning products you can make yourself that include the following:

Use these 7 Steps when Spring Cleaning the Bathroom:

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.

7 Steps to Spring Cleaning the Bedroom

Spring Cleaning Bedroom

Since we spend so much time in the bedroom, it should be a relaxing and refreshing place to be. My husband and I do our best to keep our bedroom picked up and our bed made each day. Making our bed is the first thing we do when we get out of bed in the morning. But there are a few areas in our bedroom where things collect in a pile. So a few times a year, I go through our bedroom and organize and clean these areas. I feel like I think more clearly when the rooms in my house are clean and organized, and I feel that I accomplish more with my time. Here are 7 steps to spring cleaning the bedroom.

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.

Easy Homemade Play Dough

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:

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.

5 Tips How to Stop Living Paycheck to Paycheck & Start Saving

stop living paycheck to paycheck and start saving money saving tips

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.

[Read more…]

This post may contain affiliate links. Read my Disclosure Policy here.