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How to Save $2,000 in Eight Months

July 17, 2017 | Leave a Comment

save 2000Are you looking to save some serious cash this year? There are many reasons you might want to save $2,000 over an eight month period of time. You may be planning a vacation. Or you might have an upcoming large expense such as a car repair.

How to Save $2,000 in Eight Months

In order to save this much cash, you’ll need to save an average of $250 per month. Here are some strategies to help you save $2000 in only two-thirds of a year.

Slash Your Expenses by Living with Only the Basics

Many people can save $250 a month by cutting unnecessary – and even necessary – expenses. Do you have a cable TV or gym subscription you can cancel, either temporarily or permanently?

Can you reduce your grocery or entertainment expenses? What about going on a restaurant ban for eight months? Make a list of every expense you have, and then circle the ones that aren’t an absolute necessity to live.

Another way to cut expenses is to work to negotiate hidden costs. Can you shop around to lower your insurance rates? Cut monthly banking fees by switching banks? Stop paying for memberships you no longer use such as magazine subscriptions?

See if you can raise some or all of the $250 a month you need to reach your savings goal by taking a serious and objective look at your expenses and seeing which ones you can live without for a few months.

Bonus Read: “35 Simple Ways for Parents to Save Money”

Sell Things You No Longer Need or Want

Many people have a good-sized collection of things they no longer use laying around the house. Is it possible for you to sell unwanted clothing, gaming systems, sporting goods, recreational items or other things you don’t need, in order to raise money?

Is it possible for you to trade in your car for a less expensive model, giving you cash in hand or lowering your monthly auto payments?

By advertising your unwanted items on sites such as eBay or Craigslist, you may be able to raise several hundred dollars or even the entire $2,000 you need.

Earn Some Extra Income

If money is tight in your current situation, you might be able to work to find money to save by looking at ways to earn extra cash.

Is there a place near your home or work where you could pick up extra hours on nights and weekends, such as a restaurant or retail establishment?

Could you use your skills to make extra money? Some ideas for using your skills to make extra money could include:

  • Selling your freelance services such as writing or graphic design on websites like Fiverr
  • Babysitting or tutoring neighborhood children
  • Mowing lawns or doing minor home repair tasks
  • Offering your home or office cleaning skills for hire

Make a list of your skills and decide which of them you could easily and quickly put to use to make extra money, or find a part time job by looking at job websites or in local newspaper ads.

(Here are 14 work-at-home jobs that can generate a solid living!)

Saving $2,000 in eight months may seem like a daunting goal, but with a little creativity and sacrifice, you can find a way.

What’s the first step you need to take in order to begin saving $2,000 this week?

Filed Under: Money and Finances Tagged With: how to make extra money, how to save more money, save 2000, save money quickly

13 Ways for Stay-at-Home Moms to Save Money

June 12, 2017 | Leave a Comment

ways for stay-at-home moms to save moneyWhen I became a stay-at-home mom in 2014, I felt a pang of guilt for no longer contributing financially to the family. Then, as the weeks of staying home progressed, I discovered something incredible. I had a new superpower. I was so much better at saving money! Not to say I was perfect, but by simply spending the lion’s share of my days caring for little ones AT HOME, I saved loads. Let’s take a closer look at some of those practical ways for stay-at-home moms to save money.

13 Ways for Stay-at-Home Moms to Save Money

Since a mom is involved in so many transactions throughout the week, I thought it’d be best to look through these money-saving tips in categories.

Kids and Babies

Don’t buy all new. The minute you become pregnant, you are inundated with offers for bright and shiny things. Everyone will tell you how to keep your baby out of peril. Each piece of advice will be different. Your greatest weapons are:

  • Research
  • Common Sense

Research may show you that buying a car seat new is a wise investment. It may reveal used clothes make a lot of sense for growing babies. Common sense may show you that the French chandelier in your friend’s baby’s nursery doesn’t have to show up in yours, too.

Find out if you qualify for a free breast pump. The government may give you a free breast pump or provide you with a reimbursement. I highly recommend checking it out.

Be strategic about the professional photo sessions. Social media creates so much pressure for parents to create “perfect moments” during each chapter of their children’s lives. Don’t get swept away in expensive photo sessions unless you’ve planned for them and have the budget available.

Food

Load digital coupons. So many stores offer digital coupons. They’re handy and often apply to checkout automatically.

Make your own baby food. I am not a DIY maven. However, when I started researching the health benefits of making homemade baby food (and that getting started wasn’t that hard), I gave it a go.

Once your baby is ready for solids, try mashing a banana or pureeing some superfoods. Freeze them in an ice cube tray for long-term!

Consolidate your trips. Try as I might, I always end up overspending or impulsing buy at the grocery store. Limiting my trips is one way I combat that problem. Another is by ordering my groceries online via ClickList or Shipt. That way, I’m not tempted to overspend and save so much time, too.

House

Pay extra on your mortgage. It’s amazing how much money people can save on their mortgage by paying an extra $100 per month. For example, if you had a 30-year mortgage of $165,000 at 4.5 percent, you’d pay an estimated $135,971 in INTEREST. By paying $100 extra each month over those 30 years, you’d only pay $105,547 in interest. That’s over $30,000 in savings!

Try BankRate’s free amortization calculator here.

Unplug. You can save a lot of money over time on your utilities simply by unplugging your appliances and shutting off your lights. If the weather is nice, shut off the thermostat and throw open some windows.

Reduce extra payments like your phone bill, cable, entertainment subscriptions. What can you trim back in your budget? Can you drop cable? Can you renegotiate your phone bill?

Build an emergency fund. Having money set aside for the unexpected will save so much money on emergency swipes of the credit card.

Selling and Earning

Sell your used goods. Today it’s easier than ever to sell your household goods to others. Check out these seven apps that’ll help you turn your secondhand stuff into cash.

Earn gift cards to cover Christmas. Swagbucks is one of the most popular sites for earning gift cards. You can watch videos, conduct searches, shop online, or do surveys to earn gift cards for places like PayPal, Amazon, and Target. You won’t earn a living, but it’s a great way to cover birthday presents, weddings, or Christmas.

Start a side gig. If you’re a stay-at-home mom looking for a way to make serious money from home, please check out my recent post “14 Profitable Stay-at-Home Mom Jobs Online (That Are Worth Your Time).” It outlines several cash-generating ideas from remote jobs to becoming an entrepreneur.

Ways for Stay-at-Home Moms to Save Money – Part IISAHM Blueprint ebook cover - transparent

I’ve been piling up resources and tips like this for the last three years after my own debt-free journey with my husband. We went from broke and clueless to budgeting and conquering our financial goals – like me becoming a stay-at-home mom – with the steps you’ve read in this article.

If you dream of the day you can stay home with your kids but could use a roadmap like I did, check out “The Stay-at-Home Mom Blueprint.” This eBook tells my story of beating debt and beating the odds to stay home when we only had $2,000 to live on each month.

It also includes 150 strategies to chop your debt, save money, earn from home, and afford your dream of becoming a SAHM.

If you liked this list of ways for stay-at-home moms to save money, “The Stay-at-Home Mom Blueprint” is this plus steroids.

Click here to learn more!

Your Turn: Share with us a few ways for stay-at-home moms to save money in the comments below!

This post contains affiliate links.

Are you a stay-at-home mom? Check out these bonus resources created just for you!

Are you a stay-at-home mom? Make sure you bookmark or pin some of these resources for later!

  • 10 Steps to a Successful Stay-at-Home Mom Budget
  • How to Afford Your Dream of Becoming a Stay-at-Home Mom
  • 14 Online Jobs for Stay-at-Home Moms (That Are Worth Your Time)
  • Loans for Stay-at-Home Moms – What Are YOUR Options?
  • The SAHM Budget Test: How to Afford to Be a Stay-at-Home Mom
  • Walmart Savings Catcher
  • How Much Do Youtubers Make?

Filed Under: Books and Reading, Coupons, Family Time, Money and Finances, Parenting, Shopping Tagged With: how to save more money, SAHM, Saving Money, the stay-at-home mom blueprint, ways for stay-at-home moms to save money

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Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
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