My husband and I recently did our taxes, and we were shocked by the amount of money we were being refunded by the government. At first we were elated because it was enough to pay off our car, so that we would now be able to live debt free. At the same time, we were kicking ourselves for not having this money available for use during the past year.
The first thing that usually comes to most people’s minds when they think about Thanksgiving is eating. There’s turkey, stuffing, mashed potatoes, and pumpkin pie. But as you know, Thanksgiving is also a time for you to get together with your family and friends. Whether you will be celebrating with a few close friends or your entire extended family, Thanksgiving is an opportunity to spend quality time with those you love. This year, turn off the TV and video games, walk away from the computer, skip the movies, and instead, socialize with those you care about.
It’s that time again. It’s time to get your kids ready to go back to school by purchasing paper, pencils, and crayons. School supplies can cost a fortune; unfortunately, back to school clothes shopping costs even more.
Your 13-year-old son shot up 2 inches during the summer, and your 8-year-old daughter’s clothes look like rags. You know that ultimately the future of any clothes you buy this season will meet the same fate.
Here are some helpful tips to help you save money on back to school clothes this year:
Before You Shop
When I graduated from the University of Florida, living at home with my parents was not where I expected to find myself. With my degree in industrial engineering, I had envisioned starting a career immediately. But instead, I found myself job-less, stressed out, and mailing lots of resumes. In fact, being jobless and frantically sending out resumes is standard practice for most recent college grads these days.
If you’re in this position, it’s hard not to let it get you down – but while the job market is struggling, you’re not entirely out of luck. Here are 10 tips to survive, stay on track, and get ahead of the competition.
On occasion, you may notice a star employee becoming irritable and late for work on a regular basis. Enthusiasm has waned, and productivity has dropped. Now you are starting to feel irritable every time you see this person, and are becoming frustrated with how the situation is affecting coworkers.
Have you considered that the problem may not be with the employee, but rather with his or her job? Is this person overwhelmed and under-appreciated? Perhaps he or she is suffering from workplace burnout, a state of emotional and physical exhaustion that is brought on by a long period of stress resulting in a feeling of emptiness and frustration.
In years gone by, many workers could depend on receiving an annual or semi-annual raise – but unfortunately, for all but a few, this is no longer the case. In fact, many employers continue to cut back on staff or hours just to maintain in operation.
With that in mind, you might think that asking for a raise is an exercise in futility. After all, when money is tight, your company won’t be inclined to hand out extra cash like candy. However, management does want to do what’s required to keep an employee on the payroll if it helps their overall bottom line. After all, it costs money to hire and train new employees, and employee turnover is never profitable. So make a strong case for a raise and follow proper protocol, and your request is likely to be honored.
Do you want to take a vacation, but feel like you don’t have the funds to make it happen? You may have many more options than you think. There are a multitude of ways to save money on a wonderful trip: Going on a group vacation with friends or family can trim costs exponentially, and procuring affordable accommodations, such as at a hostel, can save you hundreds. And if you can plan your trip well in advance, you can set up a vacation fund.
Do you find yourself going through the motions every day at work? Are you physically showing up for the job, but leaving your mind elsewhere? Are you feeling detached from what formerly gave you joy and fulfillment? If so, you are likely suffering from workplace burnout.
Burnout is a state of emotional and physical exhaustion that is brought on by a long period of stress. It can leave you feeling empty and incapable, and such feelings can impact aspects of your life beyond the workplace. It’s a common problem that many suffer from, regardless of profession.
Understanding Workplace Burnout
Just as there are many reasons to leave your job to become a stay-at-home parent, there are many reasons why you may choose to go back to work. Many stay-at-home parents go back to work once the kids are in school or have left the nest.
For other families, there are financial reasons driving the decision to return to the workforce. Others still may find the life of a stay-at-home parent to be challenging and isolating. Whatever the reason, going back to work is often easier than it sounds.
Steps to Reenter the Workforce
According to an extensive survey conducted by the federal government on college weight gain, college freshmen gain an average of nearly eight pounds during the school year – most of it in their first semester. While 14% of students are considered overweight or obese before entering college, 17% are overweight or obese by the end of that first year.
Unfortunately, the weight-gaining does not end there. Students studied in the survey gained an additional couple of pounds during their second year as well. So with the odds stacked against college students, how can you eat healthy while on a college student’s budget?
One of my favorite hobbies is to try to save money on groceries. It’s a challenging and never-ending process of searching ads, clipping coupons, and shopping strategically. While these methods do save my family a lot, I am always looking for the next big tip on how to drastically reduce our food bill.
Recently, I observed how much money we waste by throwing out spoiled food and how much we save by freezing. This has been a great benefit to my family, except for one thing: freezer burn.
Why Freeze Your Food?