Tag Archives: thrifty

Free Videos

7 Aug

Quickly I wanted to update you about a free video resource. You can search by category or topic and they are all available online to view (just like the one I shared the other day about Sesame Street and Utensils)


Free Educational Resources & 17,000 Free Downloads!

5 Aug

Its safe to say that one of my favorite things is to help share free resources because I think people in general are so unaware how many completely free resources exist out there. Also I know plenty of people really don’t know how to search and find the free resources that are out there so they’re left out of ever getting to use them because they don’t know how or where to look.

Go here to view what interests you and to be able to download the FREE Resources.

Also please note things like the Online math – provide free grading  but if you click on the online math you can also choose the option to work offline which will open the worksheet in your browser and allow you to print it.

Free Illustrated Books and Flashcards

3 Aug

Here’s some more handy resources that are completely free! In my search of free endless resources I have compiled a list of two more items that I think will make you happy. These illustrated books and flashcards are completely free you download and print whatever ones interest you and your little. I found this great site which specializes in educational materials and they offer several free items which I feel is great especially with today’s economy and tighter budgets. 

Free eBook

19 May

  photo source

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.

  photo source

Teaching Children the Value of Money

26 Mar

  photo source

Money is something everyone could use more of most days, however teaching children the value of money, hard work, and budgeting at a young age will most certainly help them succeed in life. These resources I believe can help children and teens learn an appreciation for money and to be wise with it. 

These books and tools are good for children home schooled and non-home schooled. For children that are home schooled it could easily be incorporated into an additional daily / weekly math lesson.

The Motley Fool: Investment Guide for Teens 

Dave Ramsey’s: Home Schooling 

Dave Ramsey’s: For Children ( ages 3 to 12)  and for Teens

and make sure to read this article written on Simple Organized Living they have a well written article on children’s finances 

Building an Emergency Fund

22 Mar

  photo source

Without a budget people have the idea that they’re doing better than they actually are, unfortunately many people are in worse financial shape than even they realize especially because people often don’t have enough liquid assets (aka cash reserves or savings.)  Its no surprise why its confusing all the “experts” use different percentages and ratios look at how they stack up:

Gail Vaz- Oxlade : “10% monthly income goes to savings” – often seen on Till Debt Do Us Part

Dave Ramsey:  ” 3 – 6 month emergency savings, invest 15% of income into Roth IRAs & Pre-Tax retirement”

Suze Orman: “8 month emergency fund”

And many more people use different ratios, first off lets start with, everyone needs an emergency fund we can all agree with that. In this economy, with little job growth, a soft real estate market and  such uncertainty you need more of an emergency fund not less. All emergency funds need to be able to cover all your monthly bills for X period of time (I personally agree with Suze Orman and 8 months is much more realistic in this economy)

An emergency fund needs to be funded: gather all your monthly bills (categorize these bills by priority 1 & 2 I will teach you below my system for this) and make sure once you’ve figured out the amount of bills you have monthly then multiply them e.g. total monthly income $4,000. and total bills $3,500 this means you need $3,500 X 8 months = $28,000 (emergency fund – I suggest you get a free savings account at your present bank or use an online higher interest savings account from HSBC or ING and immediately set-up  automatic with drawls every month to force savings)

Priority 1 Bills: (Bills that MUST be paid & could hurt you if gone unpaid)

Your Mortgage, Taxes, Insurance (for a home)

Student Loans (these are RARELY ever discharged in Bankruptcy so you need to keep paying them)

Bills that keep you and your family living: Food, Water, Electric / Gas (these are all essentials)

Priority 2 Bills: (These are bills you have that are NOT MUSTS however when working your family is able to afford these bills) aka know as the wants not needs of bills / debts. – These are cable TV, high speed internet, lawn cutting service, house cleaning services, car detailing, these are expenses that your family can afford during normal working conditions but are items that can & should be cut during times of unemployment.