Debt Snowflaking – 25 Ways to Find Extra Money and Pay Down Debt

snowflaking debtIf you have debt, you may feel a sense of desperation and a desire to eliminate it as soon as possible. Reducing your monthly expenses and developing an aggressive debt repayment plan is a great start. Depending on the severity of your situation, you may want to stop using credit cards during this time as well.

Even if you aren’t creating additional debt, you may still feel discouraged by how long it will take to rid yourself of your existing debt. Fortunately, you’re far from helpless. To accelerate your debt repayment, consider snowflaking.

Click to continue reading...

“The Money Saving Mom’s Budget” by Crystal Paine – Book Review

money saving moms budget book coverCrystal Paine and her husband, Jesse, lived on an income of less than $1,000 per month when her husband was in law school so that he could graduate without any student loan or consumer debt.

During this time, Paine began a blog, Money Saving Mom, to share the ways that her family was saving money and staying within a budget.

Both her blog and her family’s finances continued to grow after her husband graduated and began working as a lawyer. Just last year, she and her husband paid for their first home outright in cash.

Click to continue reading...

17 Ways to Pay for & Afford College Without Student Loan Debt

students studying libraryAttending college, while not essential, can give graduates a financial boost that will benefit them throughout their lives. The U.S. Census has determined that the average college graduate makes $19,550 more per year than the average high school grad.

Furthermore, the Pew Research Center stated that even after deducting time spent not earning money while in college, as well as the associated costs, the average college graduate earns a whopping $550,000 more than a high school graduate over a 40-year career.

Click to continue reading...

Food on the Table Review – Free Family Meal Planning Service

food on the table logoIf you’re like most people, you’re busy, and you may have trouble finding the time to prepare eating plans or make dinner. But going through the drive-thru or eating out every night is not good for the budget or the body.

Fortunately, several sites will not only help you find the best deals on groceries, but they will also provide family meal planning menus and recipes for weekly meals. One well known site is E-mealz, which is endorsed by Dave Ramsey. I love E-mealz, but I also like a newer site called Food on the Table. While Food on the Table offers many of the same benefits as E-Mealz, it also offers more flexibility, which is particularly good if you have a picky eater in the family. Moreover, it’s free at the basic subscription level.

Click to continue reading...

35 Fun, Free Things to Do in Washington, D.C. for Families with Kids

washington dcMy husband recently had the opportunity to present at a conference in Washington, D.C. So, on a whim, we decided to take the whole family. We had never before considered Washington, D.C. as a vacation destination – a mistake on our part. Beyond its aesthetic beauty, Washington, D.C. offers a number of sightseeing opportunities to visit with kids, especially on a travel budget, because the city offers so many worthwhile free attractions.

We only had three days to spend in the city and we packed in as much as we could. Cheap accommodations in Washington, D.C. may be hard to come by, but the cost for a hotel is mitigated by the many free attractions for children and adults.

Click to continue reading...

What Is Hypnobirthing – Mongan Method Birthing Techniques

woman giving birthThe impending birth of a child is both exciting and yet fraught with anxiety. Some mothers fear the pain of childbirth or how an epidural may affect their child during the birthing process. However, mothers who practice hypnobirthing often find these fears unfounded. In fact, they are more likely to have a shorter labor and less likely to use an epidural or need costly interventions, such as a C-section.

Of course, women who deliver vaginally also enjoy a shorter hospital stay and recover more quickly than those who require a C-section. Moreover, many hypnobirthers may even decide to deliver in the comfort of their own home. In addition to the many health benefits for both mother and child, hypnobirthing can significantly reduce the medical expense of labor as well.

Click to continue reading...

Gymboree Visa Credit Card Review – Get 5% Off Discounts

gymboree visa credit cardDo you love to buy Gymboree clothing for your children? Are looking to gain some rewards for your loyalty? Fortunately, you can save 5% off every shopping trip with the Gymboree Visa from US Bank.

This card has no annual fee, but it does have a hefty APR of 13.99% to 22.99%, depending on credit worthiness. If you tend to carry a balance, the APR negates any savings. This card works best for people who pay off their credit cards each month (i.e. using credit cards wisely).

Key Features

Click to continue reading...

Gap Visa Credit Card Review – Get Discounts Shopping

gap visa credit cardI’m a frequent shopper at Gap and I am always looking for ways to earn rewards and save money when I shop. The Gap Visa Card allows me to do both.

Gap offers promotions throughout the year available only to Gap Visa cardholders, and also provides other rich rewards and benefits.

To save money with this card, however, cardholders must pay off their balance in full every month, because the card has a hefty annual percentage rate (APR).

Key Features

Click to continue reading...

  • 20% Off Sign-up Bonus. After getting approved for the Gap Visa card, you get 20% off your first purchase.

How to Treat & Get Rid of Head Lice in Your Home

kid head liceAs a child, perhaps you had the unfortunate experience of contracting head lice. I managed to avoid it throughout my school days, even though my brother once had a terrible case. Just recently, however, in middle age, I contracted a case from my son. Four out of the five members in our family became infested.

While I wouldn’t wish the experience on anyone, we did learn quite a bit about the history of head lice and the best ways to treat an infestation. The experience also taught us that head lice can take a heavy toll on your pocketbook. Because of this, it’s important to take preventative measures to avoid head lice infestation in your home.

Click to continue reading...

Where to Buy Cheap School Uniforms for Kids and Save Money

schoolboys uniformsThe majority of private school students need to wear uniforms everyday when attending classes. In recent years, in part to combat gang affiliations and gang violence, some public schools have also instituted uniform policies.

There are pros and cons of school uniforms, but as a parent, there are always costs associated with back to school clothes shopping.

You can mitigate the extra expense of uniforms with these tips.

Buying Used School Uniforms

Explore purchasing used uniforms before you shop for new ones. Parents can save hundreds of dollars each year when they buy used uniforms. You can find used uniforms from a variety of sources:

Click to continue reading...