Archive | Money Save

Quick Cash for Christmas: Easy Ways to Earn Some Dough (Ways to Earn $100)

 

money for Christmas

Old Mother Hubbard
Went to her purse the Cupboard
To give the credit card bill poor Dog some dough a bone          
When she got there
Her checkbook The Cupboard was bare

BEEN THERE, DONE THAT.

I know this time of year puts the smackdown on everyone’s budget, but there are ways to drum up some extra cash just to use for the holiday season.

One of my favorite on-line buddies is Sandy Dempsey, the founder and guru of The Dreaming Cafe.
She created this awesome list a few years back and I personally have referred to it more than once. Sandy was kind enough to let me share it with you so I pulled some my favorites off to post today, but if you want the complete list of 100, go HERE.

 100 Ways to Earn $100 (or more!)

  • Sell something you’d normally buy by becoming an independent sales representative. Examples: Avon, Mark Kay, Mia Bella, Tastefully Simple, etc.
  • Rent booth space at your local flea market or farmers market and sell your ‘clutter’.
  • Run errands for others: Grocery shopping, going to the post office, taking the car in for maintenance, doctors’ appointments, waiting for the cable guy, etc.
  • Love painting, cooking, making jewelry, Facebook, bookkeeping? Teach a class. Reach out and share what you enjoy and love by teaching others. Share your passions.
  • Childcare: Part-time, full-time, night-time, day-time, weekends. Everyone needs a little help now and again with the kids.
  • Pet-sitting: If you love animals, taking care of someone’s family pet(s) while they are away or on vacation may be just the thing to make a little extra cash.
  • Holiday and house decorating: If you have a flair for decorating and love making your home beautiful you may be able to sell your services and help others to do the same.
  • Sell big ticket items on Craigslist (games, electronics, exercise equipment)
  • Event organizer: Love people? Love parties? Love organizing? Love to bring people together to celebrate? Event organizing could by your ticket to a few extra bucks (or a new career or business).
  • Have a guest room? Rent it out.
  • Professional shopper and gift purchasing: People are super busy today. If you enjoy shopping and love people, you can offer your services to shop for and get that special gift for someone. Include specialty gift wrapping as part of your service and delivery if needed.
  • eBay : Selling both new and used products through the highly popular online auction site eBay can earn you $100 or more depending on how much time you invest into learning the ins-and-outs.
  • Seasonal rental home cleaning service: There are areas of the country that have seasonal rental home at the beach, in the mountains, etc. These homes need cleaning between daily or weekly renters and need to be checked on during the off season.
  • Virtual assistant: You can do data entry, make travel arrangements, type reports, prepare presentations, etc. Just about anything you may have done in the past as a clerical worker, office manager, personal assistant or executive secretary can now be done virtually using online services, email and phone. You can have one or more clients and offer one or more services depending on the client’s needs. You can offer monthly services or one-time project assistance.

 

What ideas do you have for earning extra jing this holiday season?

Budget Basics 101-Getting Yourself on Track

Budget Basics 101Have you been talking about a family budget, but aren’t sure where to start? Sometimes it’s good to start with the basics, such as the basic outline for a budget and the categories you want to include. Here are some tips to help you formulate a simple family budget, one that won’t go up in smoke in a few weeks!

family budget

 

Income

The first place to start in the outline of your budget is with your income. There will be some estimating here, no doubt; but make sure it’s estimation, not dreaming, say experts. The income area of your budget is not the place to write down ideals. Simply take a look at your net income over the last three months and estimate an average monthly income. Or you might have income that changes very little month-to-month; it should therefore be pretty easy to figure out your monthly income.

Expenses

Your next category should be expenses. It’s good to include enough detail that you have a grasp on things, but splitting your expenses into dozens of little categories will probably only frustrate you. Try to make your categories fairy general – “entertainment,” for example, is a more general category than “computer games, movies, cable, and DVDs” listed as separate categories. There will probably be more estimation here than in the income category.

As you break down your expenses into understandable categories and numbers, remember that charitable giving or any giving away of money should be also listed as an expenditure.

Actual Expenses

Estimation gives way to “real” numbers when you write down your actual expenses during the month. This is the last section of your budget plan. Keep a running tally of your expenses for several months, and then look at where you are.

family budget

Some Basic Principles

In budgeting, there are some principles that are considered basic. Here are some of them.

* Distinguish between wants and needs. This can be a hard one, but it’s vital for a budget to function properly. Beware of convincing yourself that a want is a need when it isn’t – you may just be trying to find an excuse to buy the item. Real needs are things like clothes, food, and shelter; but designer clothes, gourmet food, and a palatial dwelling are more like wants!

family budget

JUST SAY “NO” TO BLING!

* Expenses should not exceed income. You may find yourself surprised the first time you do a budget and discover that you actually don’t make enough money to cover your expenses. If you discover this, you need to look carefully at your income section and see where you can increase it, and look just as carefully at the expenses and see where you can make cuts.

Good luck and happy budgeting!

Moms! Get your SAVE on with this awesome eBook!
The Moms Guide to Saving Money“My goal, for writing The Moms Guide to Saving Money, is to share ideas with you about how you can save money for your family, make money from home, and make it easier plus more affordable to reach your goal, whatever that may be. I will share with you tips to prepare your family for your journey to be a stay-at-home parent or to teach your family how to save money.” Becky Mansfield

I truly think ebook will be helpful to far more people then STAHMs or WAHMs. This ebook is for anyone who wants to start saving now in hopes of working less in the future. It would be helpful to ANYONE who is just looking for ways to supplement their income. It’s perfect anyone who loves to make their dollars stretch as far as possible.
Within the pages of this ebook, readers will learn so many tips, ideas & secrets to help them save more money & live easier! The stress of money can be a big one if you let it; but a work-around is to learn to take control of your money NOW. Spend less & save more, live below your means (not above it) and do so the easy way! Grab your copy of The Mom’s Guide to Saving Money HERE.This book was previously called You Can Be a Stay at Home Mom on One Income, but because it is filled with money-saving ideas Becky opted to change the title to The Moms Guide to Saving Money.

click-here-to-buy-now-

Whatever the title, the info inside is worth it’s weight in gold. SERIOUSLYGood info…and so much more. And for less than the price of a pizza! Consider the affordable $9.99 cost an investment in your future. Let’s git ‘er done.

Budgeting Basics 101-Tips for Sticking to Your Family Budget

So you have a family budget. There’s only one problem – you haven’t stuck with it! Maybe your budget is nicely
outlined and detailed, but sits unused on your computer or in your desk drawer.

family budget

Formulating a budget is a challenge, but once you have it done, it doesn’t do any good unless you stick with it.
Of course, sometimes you do need to compromise, and your budget does need to be somewhat flexible. But you can
periodically tweak and adjust your budget and still stick to it. Here are some creative and even fun tips for
sticking with your budget.

Have a Look-See
Maybe your budget didn’t work out because it didn’t fit your needs. Take a fresh look at your budget and ask some
of the following questions:

Is it too detailed? You might find it exhausting trying to keep a budget that has dozens of categories.

Is it too simple? If your budget is too general, you may have let it slide because there just weren’t enough
details to get a true grasp on your finances.

Does your budget include alternatives? If your family is not the creative type, you may have had trouble coming
up with alternatives to the budget cutbacks. For instance, if your budget revealed that you needed to cut back on
eating out, and you didn’t have an alternative plan for what you were going to do instead of eating out, you
might have slipped up and deviated from your budget. For some people, this is natural; others need to write in
alternatives.

Are you realistic about your income? A budget may fail if your income section is more about goals and ideals
than actuals.

Are there rewards? A budget should have some rewards worked into it – a vacation, a movie out, or a new pair of
shoes.

Include Fun Alternatives

As noted above, having alternatives to fill the void created by cutbacks is helpful to keeping your budget.
Having creative and fun alternatives may be even more helpful. Here are some ideas.

* Instead of eating lunch out, pack a fun lunch Bento-style.

* Lunch-in can be a fun picnic, indoor or outdoor.

* Staying home for dinner can be fun if it involves a cookout or, if you’re really in the mood to be creative,
experimenting with a homemade solar oven.

* Cutting back by getting rid of cable need not be too painful – high-speed internet access is generally a whole
lot cheaper than cable, and the family can have fun gathering around the computer for movie night online.

* Instead of going to the movies, make your own. Have a family make-a-movie night and put on plays, puppet shows,
or what-have-you. Capture the fun using your digital camera or webcam.
movie night
* Look up how to make your own skin cleansers, household cleaners, and even shampoo online. Learn how you can
make these things for pennies, saving by shunning store-bought versions and having fun in the process.

Sometimes, just getting creative and customizing your budget to fit your family can go a long way toward
encouraging everyone to stick with it.

What ninja tips do you have for keeping your family on budget?

Moms! Get your SAVE on with this awesome eBook!
The Moms Guide to Saving Money“My goal, for writing The Moms Guide to Saving Money, is to share ideas with you about how you can save money for your family, make money from home, and make it easier plus more affordable to reach your goal, whatever that may be. I will share with you tips to prepare your family for your journey to be a stay-at-home parent or to teach your family how to save money.” Becky Mansfield

I truly think ebook will be helpful to far more people then STAHMs or WAHMs. This ebook is for anyone who wants to start saving now in hopes of working less in the future. It would be helpful to ANYONE who is just looking for ways to supplement their income. It’s perfect anyone who loves to make their dollars stretch as far as possible.
Within the pages of this ebook, readers will learn so many tips, ideas & secrets to help them save more money & live easier! The stress of money can be a big one if you let it; but a work-around is to learn to take control of your money NOW. Spend less & save more, live below your means (not above it) and do so the easy way! Grab your copy of The Mom’s Guide to Saving Money HERE.This book was previously called You Can Be a Stay at Home Mom on One Income, but because it is filled with money-saving ideas Becky opted to change the title to The Moms Guide to Saving Money.

click-here-to-buy-now-

Whatever the title, the info inside is worth it’s weight in gold. SERIOUSLYGood info…and so much more. And for less than the price of a pizza! Consider the affordable $9.99 cost an investment in your future. Let’s git ‘er done.

 

Teach your Kids the Meaning of Giving this Holiday Season

Christmas makes kids wide-eyed, with thoughts of a ton of presents under the Christmas tree. Some kids even like to count their presents under the tree. This holiday season, teach your kids the true meaning of Christmas — giving to others.the meaning of giving

Give to Others – One simple way to teach your children the value of giving is to have them donate to a local shelter. Have your children go through their toys and clothes. Make sure they give away one really nice thing that they don’t really need or play with. Place an emphasis on the fact that there are many children who have no home or parents.

Another way your children can learn about the gift of giving is to donate canned goods to a local food drive service. These services provide food to families in need. The holidays are often a difficult time for those in need. Take your children to the grocery store and have them choose a nice variety of canned foods to donate.

One more way your children can learn a lesson in giving is to buy gifts for others. Choose a needy family in your church or community. If you don’t know of anyone in need, ask around. Officials at your city’s municipal building, or local pastors will be able to make recommendations to you.

Take your children shopping and help them pick out age-appropriate toys and gifts. Let them wrap the gifts, too. Finally, drive your family to your “adopted” family’s home and let your kids hand out their gifts. You can also give a gift to a local gift drive for children in need, most of these will advertise in stores and the local community during the holidays.

Then there’s this book written my buddy Becky Mansfield from Your Modern Family . She always has amazing blog posts crammed with solid info, and lately I’ve discovered the joy and bounty of the many ebooks that she has written. One in particular really caught my eye because I know many moms doubting that they can be a STAHM & get by on ONE Income.

The Moms Guide to Saving Money was one that caught my eye. As a self-employed individual, I am always curious about creative ways to cut costs, stretch the budget and hacks and shortcuts that can save money. SO…I bought Becky’s book.
A Mom's Guide to Saving Money

“My goal, for writing this book, is to share ideas with you about how you can save money for your family, make money from home, and make it easier plus more affordable to reach your goal, whatever that may be. I will share with you tips to prepare your family for your journey to be a stay-at-home parent or to teach your family how to save money.”Becky Mansfield

I truly think e-book will be helpful to far more people then stay-at-home-moms or work-from-home-moms. This ebook is for anyone who wants to start saving now in hopes of working less in the future. It would be helpful to ANYONE who is just looking for ways to supplement their income. It’s perfect anyone who loves to make their dollars stretch as far as possible.

Within the pages of this ebook, readers will learn so many tips, ideas & secrets to help them save more money & live easier! The stress of money can be a big one if you let it; but a work-around is to learn to take control of your money NOW. Spend less & save more, live below your means (not above it) and do so the easy way!

This book was previously called You Can Be a Stay at Home Mom on One Income, but because it is filled with money-saving ideas Becky opted to changed the title to The Moms Guide to Saving Money.

click-here-to-buy-now-If you are someone looking to trim your budget in the coming months, or as a goal for 2016, I am confident Becky’s book can help!

Powered by WordPress. Designed by Woo Themes

UA-21877160-1