Summer time activities with your children

5 Jun

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Don’t let your children’s summer be wasted by playing video games and watching TV. My suggestions below are to help you find activities in everyone’s budget and age range for mom’s and dad’s to do with their kids. If your a stay at home mom (SAHM) I hope these will inspire you and why not get together with a friend or sister that can bring their kids along too and have some adult company.

  • Make a scrapbook of your entire summer
  • Get a pack of balloons, fill with water and have a water balloon fight in the backyard
  • Enroll your kids in swimming lessons, especially if you live in a hot climate
  • Go to your local dollar store or Wal-Mart buy some chalk and jump ropes for some outside activities
  • For days when it maybe raining out buy a couple colors books from the dollar store for little ones and you to color during summer showers
  • Why not get the schedule from your local library for book reading and  movie showings perfect for your children
  • Teach your children to ride a bike
  • Spend 30 minutes every day learning a new language together (try some educational videos)
  • Make sure your children are active each and every day public schools have cut too many phys ed  and art programs so the summer is a great time to stay active
  • Go to a museum or aquarium together, take lots of pictures
  • Save $ by creating your own mommy and me group (have yourself and 2 or 3 other SAHM) get together at each others house a set day every week and cook together, go swimming in the pool, let your kids play together its a great mommy day and child day

Make every day of your summer count!

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Sleeping Pug…Oh so Adorable

31 May

Because children and pets seem to go hand in hand I thought this would bring a little smile to everyone’s day!

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Belabumbum Lotus Nursing Chemise

24 May

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Why this chemise? Its the perfect night gown length and has the ability to detach the straps for nursing mothers. Its also comes in sizes S – XL and 3 colors. It has easy clips for drop down nursing cups and pretty lace trim.

Free eBook

19 May

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Since the economy is slow, real estate markets are soft and the unemployment level is still too high, I decided to share this resource today. Finances are a big stressor for many families and they don’t have to be. I remember one of my favorite ways teachers taught us to count as kids was using fake money (man did I love counting it) and putting it into separate little piles (2 fives = 10, 10 ones =10 and 1 ten equals 10, oh the memories teachers leave us with.) I really recommend You Need A Budget (YNAB) its simple, straightforward and provides amazing insight to finances. What I like is this eBook is free – all you have to do is download it in PDF form. If you love this eBook you can also buy a print copy for any family or friends for only $10

What else should you know about YNAB: they have an online software program with a free 34 day trial period working on PC & MAC, they have apps for smartphones as well.

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How to Store Baby Clothes

16 May

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Storing baby/child clothes can be a challenge, because people tend to get over cluttered and frustrated so they just give up leaving themselves with overstuffed closets and one big mess.  Now I know some professional organizers would say to donate, sell or get rid of the clutter- however when properly organized these garments will not be clutter in your home and stored properly they can be relocated to an attic, garage, or basement. If you end up having another baby down the road the clothes could come in hand saving you lots of time and money. Here’s my simple steps:

  • Sort all clothes
  • Wash/Dry all clothes – so they are clean for storing
  • Now you need some storage tubs with lids you can find them in a variety of shapes, colors, & sizes  (tubs are my personal favorite because they keep water, dirt, & bugs out)
  • Here’s where to buy tubs: Wal-Mart, Rubber maid online store, The Container Store, and Amazon
  • Also, you need 1 dryer sheet per tub (you will tape this to the inside of the storage lid) for a fresh scent
  • Don’t roll clothes, gently place them lying as flat as possible on one another – rolling will take more space and incur wrinkles
  • Label the boxes like you see in the above picture (sizes and items – visible to the outside of the container)
  • Make a separate bin for non clothing items (baby wash clothes, towels, crib sheets, blankets, etc)

 

This project may take a day or two but its well worth it and make it fun have your kids help sort clothes and carry them to the washer

What Every Mom Needs – part 3

11 May

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Where in our third installment – and hopefully helping you get a strong financial foundation in place.

What does every mom NEED?

Life Insurance (whether your a high powered career woman, stay at home mom, or single parent) you NEED life insurance. Now here’s something many people overlook: the reasons they need life insurance, especially women.Where should I look for life insurance?  Well, consider getting online quotes from multiple sources try Select Quote and Insure

Myth # 1 – I don’t need life insurance I’m a stay at home mom, so I don’t need income replacement. 

Ready for my answer? WRONG!

And here’s why a stay at home mom needs term life insurance to cover expenses that would usually be unaccounted for. Take this example, God forbid something happens to a stay at home mom and she dies who will take care of her children while her husband works? A daycare or babysitter if there not school aged. If the children are old enough to be in school you must figure there will still be before and/or after school care since your spouse may need someone to get the children on the bus or watch them till he gets home from work.

Myth # 2 – I only need a small policy.

Have you realistically calculated the costs both present and future (remember inflation rates need to be calculated) for what your policy will need or you want it to cover. Typically when someone does work many advisors suggest 20x their income – so a person making $50,000 per year would be advised to buy at least $1,000,000 policy. This only sounds like a lot initially trust me every dollar will need to be earmarked.

What are some items life insurance money should be used to cover:

  • Your children’s daycare or babysitting,
  • The mortgage on your family home (wouldn’t it be nice to know your mortgage would be paid off and your spouse will never loose the children’s family home)
  • College tuition (with student loans being such a huge burden it would be great to help give your children a head start in life by graduating college debt free)
  • Maybe private school tuition
  • or money set aside for children’s lessons (he likes soccer, she likes gymnastics, etc)
  • Also one item very much forgotten about is any debt you may have (credit cards, student loans, car loans, etc)

What Every Mom Needs – part 2

10 May

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Here’s part two in the continuation of this saga

What does every mom NEED?


A high (okay higher interest) savings account these are often typically found as online savings accounts or at credit union, while writing this I have found the interest rate at 1% compared to most bricks and mortars banks where its significantly less (and yess that’s possible in the world of interest rates it can be a lot less than 1%). Barclay’s Online Savings – just one of many options out there.

However, in the future all you have to do is search for “online/high yield savings accounts”.

What are the must features: no monthly fees and no minimum deposits/balances.  For single mothers I highly encourage you to set up an automatic transfer every month from your checking account to this savings account. On the first of every month this money will be re-directed and will create a forced savings perfect for those who are on tight budgets because the less you earn the easier it is not to save.  Make sure to read the full story on what every mom needs.

What Every Mom Needs – part 1

9 May

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What does every mom NEED?

Well, this list might surprise you and while it does  apply to all moms I am hoping this list will lend some extra special advice to the stay at home moms and single mothers. Please share this posting with all the women in your life so they can benefit from this free advice. I am going to apologize up front for the length so in order to make this posting more reader friendly I have broken it down into multiple parts.

All moms need a retirement account  – not just working mothers.

The best way to start is to open a ROTH IRA – see  this simple chart for a easy snapshot overview. Pretty much a Roth IRA allows you deposit $5,000 a year, grows federally tax free, and must be 18+ to have one. Stay at home moms can open one too if you manage to earn income even from non-traditional sources like babysitting, cleaning houses, or any EARNED INCOME. Why do stay at home moms/single mothers need retirement accounts? Because planning for retirement even a little bit each month will make life less stressful and easier later in life. Plus stay at home moms will receive less Social Security (if its there when your of retirement age) because you worked less years and paid less into. Also, please remember social security was NEVER meant to be your sole source of retirement income so great for those that can live on it but don’t ever put yourself in the position of needing social security (it should be in addition to not in place of).


 


Great Books to Supplement Curriculum

8 May

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Are you looking for some great resources to help teach your child outside of their present curriculum?

Maybe your looking for a more in-depth learning or perhaps just to have some additional resources to pull from. These books are perfect for both the home schooled child or school educated child. Many parents have found these books easy enough to use at home for children that might have struggled with classroom instruction.

The Blue Back Speller by Noah Webster – for  5 generations this book was used in schools to help teach children to read & write

McGuffey’s Eclectic Readers by William McGuffey – many parents have used these books to help teach their children to read when they were struggling learning in class room techniques

Math Fables by Greg Tang – helps children learn beyond just counting

 

 



Books on Finances (for beginners)

7 May

Finances can be stressful especially when mismanaged and that can lead to  problems both in a marriage or between parents and children in single parent households. I wanted to provide you with some resource listings to help encourage you to get better control of your family’s finances:

Dave Ramsey’s Total Money Makeover

Suze Orman’s The Money Class

I think either one of these books is a great place to start without being overwhelmed.