Family http://www.wisebread.com/taxonomy/term/4566/all en-US Best Kids Eat Free Restaurants http://www.wisebread.com/best-kids-eat-free-restaurants <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-kids-eat-free-restaurants" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_eating_dinner_41560746.jpg" alt="Family finding best kids eat free restaurants" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One great way to save money while going out to eat is to take advantage of a &quot;kids eat free&quot; deal. My favorite are when you can get up to two free kids meals with the purchase of one adult meal. This allows my family to save even more, since I can share a meal with my husband or one of my kids.</p> <p>While the specifics will vary by area, here are some of the top restaurants that offer a kids eat free deal.</p> <h2>Acapulco</h2> <p>Acapulco varies by location, but when the restaurant does offer free kids meals, it is for kids 11-years-old and under.</p> <h2>Applebee's</h2> <p>Many&nbsp;<a href="https://www.facebook.com/ApplebeesKidsEatFree/">Applebee's</a> locations offer a free kid's meal with the purchase of an adult entry on Tuesday night. I like their kid's meal options the best because they seem a bit healthier than the usual greasy chicken nugget/French fry route.</p> <h2>Bob Evans</h2> <p>Kids can eat free on Tuesday nights starting at 4 p.m. at Bob Evans. You can order one free kid's meal per adult meal purchased. Breakfast is usually served all day, so your kids can enjoy a fun breakfast for dinner if they wish.</p> <h2>Chevy's Tex-Mex</h2> <p>Every Tuesday, <a href="http://chevys.com/">Chevy's Fresh Mex</a> offers up two free kid's meals for every adult meal purchased. Children must be 10 and under to qualify.</p> <h2>Chick-fil-A</h2> <p>On Tuesday nights, from 5:30 to 7:30 p.m., kids can receive a free meal for every adult combo meal purchased. Chick-fil-As are individually owned and operated, so not all locations offer this promotion.</p> <h2>Denny's</h2> <p><a href="https://www.dennys.com/food/kids/">Denny's</a> seems to be the most vocal restaurant about their kids eat free promotion. Kids can eat free Tuesdays from 4 to 10 p.m.</p> <h2>Dickey's Barbeque Pit</h2> <p><a href="https://www.dickeys.com/promos">Dickey's Barbeque Pit</a> offers one free kid's meal per paid adult meal. The offer is only valid on Sundays and for kids 12-years-old and under. The best part is that everyone gets free ice cream with their meal.</p> <h2>El Torito</h2> <p>Kids 10 and under can enjoy one free meal with the purchase of an adult entree at&nbsp;<a href="http://www.eltorito.com/kids-eat-free/">El Torito</a>. For families of three to four, you can save money by splitting one main meal and one free kid's meal, since it is easy to fill up on chips while you wait.</p> <h2>Firehouse Subs</h2> <p>Days vary by location, but you can receive up to two free kids meals per one paying adult meal. My local Firehouse Subs allows kids to eat free on Saturday and Sunday. My kids got a kick out of the free firefighter hats that came with their meal.</p> <h2>Hooters</h2> <p>Many might not consider Hooters a family-friendly restaurant, but they offer up to two free kid's meals with the purchase of an adult meal all day on Sundays. The meals are valid for kids ages 12 and under. While the meal is free, you do have to purchase them a beverage.</p> <h2>IHOP</h2> <p>According to&nbsp;<a href="http://www.ihop.com/about-ihop/ihop-news/2016-news/turn-dinner-time-into-family-time-kids-eat-free-at-ihop">IHOP's news release</a>, their kid's eat free promotions are offered periodically. For 2016, IHOP offered a free kid entree with the paid purchase of an adult entree from April to May. Join their eClub to receive a free meal and birthday meal and to be notified if they do another kid's eat free promotion.</p> <h2>Ikea</h2> <p>Many&nbsp;<a href="http://www.ikea.com/us/en/store/burbank/offers">Ikea</a> locations are offering free kids meals for summer. My local Ikea is offering up to two free kid's meals with every adult meal purchased. This promotion is valid every Monday through Friday, between June 6th to July 29th for kids 12 and under.</p> <h2>Joe's Crab Shack</h2> <p>To celebrate school being out, <a href="http://joescrabshack.fbmta.com/members/ViewMailing.aspx?MailingID=34359797387">Joe's Crab Shack</a> allows kids to eat free Sundays and Mondays.</p> <h2>Pizza Hut</h2> <p>Some&nbsp;<a href="http://slickdeals.net/forums/attachment.php?attachmentid=2573326&amp;d=1393957688">Pizza Hut</a> locations offer a free kid's buffet with each adult buffet purchased. This is valid for kids 10-years-old and younger.</p> <h2>Ruby Tuesday</h2> <p>Kids eat free on Tuesday nights, usually from 5 p.m. to close.</p> <h2>Souplantation</h2> <p>Kids two and under can eat free at Souplantation. Souplantation also regularly offers &quot;kids eat free&quot; coupons and family deals. This used to be a favorite spot of my family, since it was easier to find foods my picky toddler wanted to try.</p> <h2>Steak 'n Shake</h2> <p>Sometimes&nbsp;<a href="https://www.facebook.com/steaknshake/photos/a.10150599697315041.440061.78934590040/10152844874325041/">Steak 'n Shake</a> offers free meals for kids during the weekend or other promotional period.</p> <p>Check with your local restaurants to verify their kids eat free rules. Days and regulations might vary by location. Also, be sure to check with local mom and pop restaurants in your town for kids eat free specials. Don't feel like going out at all? Try these <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids" target="_blank">10 Frugal and Delicious Meals to Make With Your Kids</a> instead.</p> <p><em>What is your favorite restaurant to take advantage of the kids eat free deal?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/best-kids-eat-free-restaurants">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/40-restaurants-that-offer-senior-discounts">40 Restaurants That Offer Senior Discounts</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-best-cities-for-frugal-foodies">The 7 Best Cities for Frugal Foodies</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-worlds-most-affordable-michelin-starred-restaurants">The World&#039;s Most Affordable Michelin-Starred Restaurants</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-kids-activities">How to Save Money on Kids&#039; Activities</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family Food and Drink children deals dining out discounts free meals kids restaurants Tue, 28 Jun 2016 09:01:03 +0000 Ashley Eneriz 1740457 at http://www.wisebread.com How to Save Money on Child Care This Summer http://www.wisebread.com/how-to-save-money-on-child-care-this-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-save-money-on-child-care-this-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kids_laughing_85809327.jpg" alt="Learning how to save money on child care this summer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>School's out for the summer, and your kids are probably bouncing off the walls with excitement. However, not many jobs offer the same summer break perks, leaving you with the costly decision of finding summer child care.</p> <p>Here are some solutions to try to save money on your child care costs this summer.</p> <h2>Swap With Someone Who Has a Summer Break</h2> <p>If one of your friends is a teacher or school administrator, then they probably have a good portion of the summer off. Ask a teacher or a stay-at-home mom friend who is willing to watch your children for a few hours a week in exchange for you watching their kids on the weekend. Since many teachers and stay-at-home moms will have to stay home with their children during the weekdays, they might enjoy a weekend break.</p> <p>Just make sure that the agreement is benefiting both of you, instead of being a burden on one of you. One summer, my mom asked my neighbor to watch my sister and I. The neighbor had six children that stayed at home as is, so my sister and I were barely noticed. We had a blast hanging out with our friends, and the mom just kept her schedule as she always did. We even did chores and went to local home schooling conventions.</p> <p>In exchange, my mom was able to give her money each week, and it ended up benefiting us all. The neighbor made a little bit of extra money, my mom paid less for child care, than she would have if she sent us to day camp, and my sister and I had a blast.</p> <h2>Try Working a Flex Schedule</h2> <p>Many times your employer can be more understanding of your need for a flexible schedule during the summer months. Try to work it out with your spouse's schedule so that there will always be someone available to stay home. For example, your spouse can go into work earlier and come home earlier, while you can go in later and work later hours. Perhaps you can even work the weekends so that you have two free days to watch your children during the week.</p> <p>I have witnessed many couples do this successfully, and work it out so that their schedules overlap the majority of the time. You can then fill in the gaps with the use of a family member or a baby sitter. While this schedule will take planning and getting used to, remember it is only for a few months.</p> <p>Of course, many people do not have flexible jobs, but it is worth looking into. Even if you can work from home one day a week or come in two hours later, that is time you do not have to pay for child care.</p> <h2>Look for a Tax Break</h2> <p>Take a look at your benefits to see if you have access to a dependent care flexible spending account. If so, you can use up to $5,000 in pre tax dollars to pay for child care expenses.</p> <p>If your employer doesn't offer an FSA, you can claim the child care tax credit when you file taxes. This credit is good for $3,000 to $6,000 in expenses, depending on how many children you have.</p> <h2>Get the Most Out of Your Babysitter</h2> <p>A baby sitter might be a better deal for the summer, especially if you have more than one child. Be sure to do a background check and to find a sitter that will keep your kids engaged each day rather than parking them in front of the television.</p> <p>When you are going through the hiring process, specify certain tasks/jobs you want done. Obviously it would be unfair to request they deep clean your home, but if they can manage light cleaning, simple dinner prep, grocery shopping, or the kids' laundry, that will take the stress off your shoulders. (See also:&nbsp;<a href="http://www.wisebread.com/9-child-care-purchases-you-should-never-skimp-on?ref=seealso">9 Child Care Purchases You Should Never Skimp On</a>)</p> <h2>Look Into Camp Scholarships</h2> <p>Ann Sheets, former national president of the American Camp Association said, &quot;About 90% of resident camps and 89% of day camps offer scholarships.&quot;</p> <p>Start your search today and apply to any camp you think your child would be eligible for. Don't forget to apply for higher-end camps too, since their scholarships might cover more than you think. Try to stay flexible with your camp dates. Not sure if a camp offers a scholarship? Just contact them and ask. You might have a better chance at qualifying for a scholarship if not many people know about it.</p> <p>While kids live for summer vacation, it can be hard to deal with the costs. Most professionals will admit that their kids' summer plans look like a mismatched quilt. That is okay! Be creative and stay flexible, knowing that this is only a brief season.</p> <p><em>What are your child care plans for the summer?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-save-money-on-child-care-this-summer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-kids-activities">How to Save Money on Kids&#039; Activities</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-sibling-discounts-that-can-save-you-big">6 Sibling Discounts That Can Save You Big</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-lessons-about-money-i-learned-after-having-twins">7 Lessons About Money I Learned After Having Twins</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-reasons-the-easter-bunny-should-give-money-instead-of-candy">8 Reasons the Easter Bunny Should Give Money Instead of Candy</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-important-questions-to-ask-before-adding-to-your-family">5 Important Questions to Ask Before Adding to Your Family</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family activities baby sitters camp child care kids scholarships summer break summer vacation tax breaks Mon, 27 Jun 2016 09:00:11 +0000 Ashley Eneriz 1733677 at http://www.wisebread.com 10 Money Lessons I Learned From Dad http://www.wisebread.com/10-money-lessons-i-learned-from-dad <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-money-lessons-i-learned-from-dad" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/father_son_grandfather_86273959.jpg" alt="Son learning money lessons from dad" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's Father's Day soon. In honor of all the dads out there, I thought it would be great to look back on some of the marvelous advice my dad gave me over the years. I'm sure a lot of the advice on the list is familiar to you, as the generation before mine passed down much of the same knowledge to all of us. Still, it's always advice worth following, and has saved me thousands of dollars over the years. Here are 10 tips from my dad, that I now pass on to you. (See also: <a href="http://www.wisebread.com/3-smart-ways-to-save-on-fathers-day?ref=seealso" target="_blank">3 Smart Ways to Save on Father's Day</a>)</p> <h2>1. Don't Throw Good Money After Bad</h2> <p>When my dad first told me this one, I was too young to really understand it. Honestly, even in my midteens I wasn't exactly sure what he was getting at. Then, when I became an adult with an income, and the means to make my own purchases, I got it. First, it was buying a cheap used computer that I had to pour a bunch of money into to make usable. And even when it had the best specs, it was still not as good as a new one, which would have been faster and cheaper.</p> <p>From projects that suck money and time and have no profitable outcome, to investments that keep tanking despite a constant injection of cash, I always remember what my dad told me: Don't throw good money after bad.</p> <h2>2. Do a Job You Love, and You'll Never Work a Day in Your Life</h2> <p>Oh, how right he was on that one. I know it's not really my dad's quote, but it didn't stop me taking it to heart. From as long as I can remember, I have loved drawing, painting, writing, and creating. I did everything I could to follow a career path that utilized those skills, and today I am a creative director in advertising and entertainment &mdash; and I also get to write articles like this one.</p> <p>Sometimes, I feel a bit guilty about getting paid to do something day in, day out, that I really enjoy. And that is the best way to make money; when you aren't even trying. So if you are not yet out of school, follow your dreams and find a job that you will enjoy, if you can. If not, find a way to make money in your spare time by doing something you love &mdash; whether it's fixing cars, painting murals, or singing. When you love it, the money is not hard work. It's not work at all.</p> <h2>3. Buy Cheap, Buy Twice</h2> <p>As someone who loves a deal, I did not take this advice word for word. I don't believe in paying full price for anything, and that could be considered &quot;cheap.&quot; But I like to buy quality items at a lower price. What my dad was saying was that if you buy a cheap tool or a bargain bucket t-shirt, you cannot expect either to last. It's far better to pay $30 for something that will last you a few years, than $10 for something that will last only six months. If you're digging around in the dollar store bins for screwdrivers, you can guarantee you'll be back for a replacement much sooner than if you had picked up a quality item from a hardware store.</p> <h2>4. Don't Buy Champagne on a Beer Budget</h2> <p>&quot;Wait Dad, we never have Champagne.&quot; &quot;Exactly,&quot; was his response to me. I grew up in a working class home in the northeast of England. We rarely ate out, and when we did, it was cheap. I remember coloring in pictures every month at the same cafe because &quot;kids eat free if they color a picture.&quot; My parents never splurged, except at Christmas (which was a case of going overboard to make up for the rest of the year, I think). We bought food once a week, on Friday, and if we wanted something before then, we had to wait.</p> <p>I learned this lesson well. I don't have massive loans or a ton of credit card debt, I have a modest car, a small home, and I live well within my salary every month. This is probably the most important lesson I ever learned, and it has stood me in good stead.</p> <h2>5. You're Never Too Young to Save</h2> <p>Whether it's for retirement, a savings account, or just something on which to spend your allowance, saving was drummed into me from an early age. &quot;Pay yourself first&quot; was another way my dad put it.</p> <p>I had a savings account at the local bank when I was 10 (the Natwest piggy banks were awesome). At 22, I started saving for my retirement. Even though it was just a little each month, the power of compound interest is working its magic on that some 20 years later. Some people say you should live for today, because you'll be too old to enjoy it later on. I certainly don't think you should save everything and live a Scrooge-like existence, but plan ahead, and start saving as soon as you can, with whatever you can. You are going to need it.</p> <h2>6. There's Nothing Wrong With Second-Hand</h2> <p>Many of my friends growing up had new clothes, new bikes, new toys, and new backpacks every few months. I did not. I did get new things, but I made them last. However, I was taught early on that there was no stigma or shame in buying used items. It is a lifestyle choice I continue to practice, and it saves me a lot of money. Used cars are way cheaper than new ones. I will go to Craigslist for appliances, electronic items, tools, and, well, anything else that I need. I will search for &quot;factory refurbished&quot; or used before new. The only exceptions I have on used items are footwear, underwear, and safety items (think infant car seats).</p> <h2>7. Find a Way to Afford It</h2> <p>I grew up around the <em>haves</em>, and <em>have-nots</em>. I would say for the most part, I was in the latter category, but only because the <em>haves</em> were those who had everything they ever wanted. However, if I wanted something really badly, my dad would tell me, &quot;Figure out a way to make it happen.&quot;</p> <p>If my allowance wasn't enough for the book or DVD I wanted, I'd do odd jobs or get a paper route. I would sell things I owned to get something else (I still regret selling my entire Transformers toy collection to get a CD player&hellip; oh, if I had foresight). But today, the same is true. I'll work extra hours. I'll hustle freelance gigs. I will find ways to make it work, rather than the usual &quot;slap it on the credit card&quot; routine so many people follow.</p> <h2>8. Don't Shop on an Empty Stomach</h2> <p>Have you ever done this? It's a nightmare. Everything you see, in every aisle, looks fantastic. You may have a shopping list (in fact, my mum insisted on one) but it goes out the window when you shop hungry. You throw all sorts of food into the cart, and before you know it, you're checking out with way more than you need. Sometimes, you buy so much it goes off. Or you blow your budget for the week, and realize half the stuff in your cart is junk. So, before I do my shopping, I grab a bite. Even if it's just a granola bar, it can really stop those hunger pangs from taking over, and turning you into the &quot;eyes bigger than your belly&quot; monster.</p> <h2>9. Knowledge Is Money (and Power)</h2> <p>The more you know, the better the deal you can get. My dad taught me that from an early age, and to this day I am a research freak. Of course, he didn't grow up with the Internet, so he had to work a lot harder to find bargains and hustle great deals. So before I buy anything, I do my homework. I comparison shop. I ask friends and family. I talk to insiders, or visit forums. For me, buying something without knowing as much about it, and the buying process, as possible is just throwing money away. And knowledge is also power in this context. If you're armed with it, you can negotiate from a position of strength. Know you stuff, it will serve you well.</p> <h2>10. Learn How to Fix (and Make) Things</h2> <p>From as long as I can remember, I was helping my dad out with DIY projects. We didn't have a lot of money growing up, but he certainly knew how to stretch it out. Buying materials to build something was way cheaper than buying it ready-made. Coffee tables, lamps, desks, computer cases, fire surrounds, you name it, he built it. He was really good at it, too.</p> <p>Over the years, he must have saved so many thousands of pounds (as I say, I grew up in England) by making his own things, or fixing things instead of paying for repairs. I try to follow in his footsteps, although sadly, I didn't get his knack for woodworking. But I will look up ways to repair things that are broken, or follow online videos for things like replacing brake pads or cabin filters. Whenever anything is in need of a repair, my dad is in the back of my head saying &quot;Hey son&hellip; you can fix that, go on, give it a go.&quot;</p> <p>Happy Father's Day, Dad. I love you, and wish I could see you more. You're my hero.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-money-lessons-i-learned-from-dad">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-make-adoption-affordable">5 Ways to Make Adoption Affordable</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-most-important-financial-moments-of-your-life">The 7 Most Important Financial Moments of Your Life</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/where-to-turn-for-help-when-you-dont-have-an-emergency-fund">Where to Turn for Help When You Don&#039;t Have an Emergency Fund</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-3-best-pieces-of-financial-wisdom-from-oprah-winfrey">The 3 Best Pieces of Financial Wisdom From Oprah Winfrey</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family dads family Father's Day fathers money advice savings wisdom Thu, 16 Jun 2016 10:00:09 +0000 Paul Michael 1731288 at http://www.wisebread.com 3 Smart Ways to Save on Father's Day http://www.wisebread.com/3-smart-ways-to-save-on-fathers-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-smart-ways-to-save-on-fathers-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_66361267_LARGE.jpg" alt="save money this Father&#039;s Day" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Father's Day is fast approaching, and dads and grandpas alike deserve some appreciation on their special day. Most of the nation agrees, considering this year, consumers will spend a record-breaking amount on Father's Day. From gifts to meals out, Americans plan to&nbsp;<a href="http://www.businesswire.com/news/home/20160607006685/en/Father%E2%80%99s-Day-Spending-Reach-Record-High-14.3-Billion">spend $14.3 billion on dads</a> in 2016. That averages to about $125.92 spent per person on this holiday. However, this huge amount looks subpar when compared to how much was spent on Mother's Day this year, which was $21.4 billion.</p> <p>While fathers deserve the best, you don't have to blow your budget to make your husband, dad, or a grandpa feel special this year.</p> <h2>What Dads Really Want</h2> <p>If you ask Dad what he really wants, he will probably give a frustrating answer of &quot;nothing.&quot; In fact, many dads just want a day of relaxation rather than expensive cuff links or a stressful dinner at a packed restaurant. Here are a few last-minute Father's Day gift ideas that are extra thoughtful and budget-friendly.</p> <p>See also:&nbsp;<a href="http://www.wisebread.com/best-money-tips-frugal-fathers-day-gift-ideas?ref=seealso">Best Money Tips: Frugal Father's Day Gift Ideas</a></p> <h3>1. Crafts Worth Keeping</h3> <p>While the cute handmade necktie cards are a sweet gesture, try doing a craft with your kids that incorporates their handprint or footprint. This is not only cute, but it seals the memory of just how little your children's hands and feet were in their younger years. Pinterest is filled with many handprint/footprint ideas, including putting two feet together to make a heart, making a football out of a baby footprint, or making a <em>Star Wars</em> Yoda out of a footprint with the phrase, &quot;Yoda best, Dad!&quot;</p> <p>Another idea is to do a photo shoot with your kids holding up different words to a phrase, such as, &quot;I love you.&quot; Two years ago, I had my daughter pose with a letter &quot;D&quot; and &quot;A&quot; and then arranged the pictures to spell &quot;DAD&quot; on a photo card. The total cost was less than $5, and my husband still has the card on his desk at work. You can do this idea for Grandpa, too, and even older children or adult children can do this for their fathers.</p> <p>Last year, I found a printable dad survey on Pinterest and asked my three-year-old to answer questions about her daddy. The results were adorable and hilarious, and my husband asked if I would do that every year and save them.</p> <h3>2. Special Time Together</h3> <p>When's the last time you did something special just with you and your dad? Life can become so busy, and it is easy to put your relationship with your father on the back burner, especially since when we have our own families to manage. Try scheduling special one-on-one time with your father before or after Father's Day. Even if you just sit down and drink coffee together, it will be more meaningful to him then a generic card. Some other affordable ideas include hitting balls at a golfing range, going on a fishing trip (even if that is more your father's thing than yours), or seeing a local sports game together.</p> <p>If you are a family of little ones, your husband might appreciate a day or weekend alone with you or just the guys. Eric Brantner, founder of&nbsp;<a href="http://www.scribblrs.com/">Scribblrs</a> and father to a one-year-old daughter, said, &quot;What I really want for Father's Day is for a night alone with my wife. Having a one-year-old makes that next-to-impossible. But it's what I want more than anything.&quot;</p> <p>Even a trip out as a family can make a great Father's Day treat. Marcus Kusi, marriage blogger at&nbsp;<a href="http://ourpeacefulfamily.com/">Our Peaceful Family</a> and father to two toddler daughters, said, &quot;What I really want for Father's Day is to spend time with my kids, and to appreciate the opportunity they have given me to become a better person.&quot; Try a simple, stress-free outing, such as a trip to the beach or a picnic in the park.</p> <p>See also:&nbsp;<a href="http://www.wisebread.com/10-father-s-day-gifts-dads-actually-want-for-under-100">10 Father's Day Gifts Dads Actually Want for Under $100</a></p> <h2>3. Words Matter</h2> <p>So many times we can save the gushy stuff for Mother's Day and hand our dads a funny or generic card that we signed her name to. But Dad would also appreciate a handwritten note saying how much he is loved. Because who wouldn't want to know that all of their hard efforts and sacrifices have been noticed by their family?</p> <p>Save money by avoiding the generic and cheesy Father's Day cards and opt for a handwritten note instead. Pair it with his favorite chocolate bar, and you have a meaningful gift for under $2.</p> <p>Father's Day is a day to celebrate your day and show him that you appreciate him. Don't get tied up finding the perfect gift that will impress him.</p> <p><em>What are you giving your dad/husband/grandfather for Father's Day this year?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/3-smart-ways-to-save-on-fathers-day">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/easy-ways-to-save-on-7-everyday-buys">Easy Ways to Save on 7 Everyday Buys</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-season-give-your-child-the-gift-of-fiscal-responsibility">This Season, Give Your Child the Gift of Fiscal Responsibility</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-great-gifts-for-5-or-less">25 Great Gifts for $5 or Less</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-simple-shopping-list-strategy-from-5-meal-plan-will-save-you-big">This Simple Shopping List Strategy From $5 Meal Plan Will Save You Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping budgeting father Father's Day gifts gifts for dad Holidays saving money shopping Tue, 14 Jun 2016 09:30:27 +0000 Ashley Eneriz 1730455 at http://www.wisebread.com How to Use New Toys to Teach Kids About Money http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-use-new-toys-to-teach-kids-about-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000045194140_Large.jpg" alt="kids can use new toys to learn about money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Last year, my daughter asked for a hamster, and I hatched a nefarious plan. Since I really didn't need another animal in the house, I told her she'd have to pay for it herself, hoping that this would lead her to drop the topic.</p> <p>We went to the pet store and looked at the hamsters, which (to my dismay) only cost a few dollars. Then we priced cages, food, bedding, chew toys, and a hamster wheel. Once we calculated it all, she understood that a hamster costs a lot more than the price of the rodent itself.</p> <p>Instead of giving up like I'd expected (and hoped!), she saved $75 over the next several months, and proudly brought home her new pet, along with all his little hamster accessories, and several months' worth of bedding and food.</p> <p>When my daughter proved me wrong, I realized that we often underestimate kids' capacity for understanding how money works. Here are more ways to harness children's wants to help them learn financial lessons that will last much longer than any toy (or hamster). (See also: <a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids?ref=seealso">4 Bad Money Habits You're Teaching Your Kids</a>)</p> <h2>Don't Shy Away From Discussing Cost</h2> <p>You and your child are in the toy store, and they ask for a new Lego set. Don't just say, &quot;It's too expensive.&quot; Whether you are willing to buy it or not, have the child check the price of the item. Discuss how much time you would have to work to purchase that toy, and what other things you could pay for instead with that amount of money.</p> <h2>Let Them Earn to Learn</h2> <p>Your six-year-old probably won't find a lot of job opportunities on Monster.com, so his pay is probably going to come from you. Whether you choose to <a href="http://www.wisebread.com/the-easy-way-to-set-an-allowance-that-wont-ruin-your-kid">pay your child an allowance</a> that is inedependent of chores or jobs they do at home, the important thing is that they get a little cash of their own, so they begin to learn that spending $1 on gum means they no longer have a dollar to put toward a yo-yo.</p> <h2>Let Them Buy Stupid Toys</h2> <p>One of the most agonizing experiences of my life was following my daughters around Chicago's huge American Girl Store, watching them try to decide how to spend a little money I had given them. My older daughter bought something sensible, a folding seat that would allow her to strap her doll to her carryon luggage. My younger daughter wanted a hair-styling set, which included sponge curlers, curling papers, and a plastic spray bottle. It killed me to watch her lay down $20 for a box of small items that would have cost $1 elsewhere, knowing they would soon be scattered all over her bedroom floor.</p> <p>But I let her do it. Just as I expected, she played with the new set for about one day, but I spent years finding the curlers and papers in odd places around the house. Now, a few years later, this daughter does put a litte more thought into how long her toy purchases might last, so &mdash; even though I am still finding those curlers &mdash; it was worth it.</p> <h2>Show Them How to Get More for Their Money</h2> <p>If your child is saving for a specific toy, introduce them to ways they can get there faster, such as using <a href="http://www.wisebread.com/6-great-teachable-money-moments-to-share-with-your-kids">coupons and sales</a>. Personally, I usually have my kids save enough to cover the full price, then if I have a coupon, I show it to them just before the purchase, and give them back the cash that the coupon saved. Getting cash back in their hands seems to make a big impact.</p> <h2>Practice at Yard Sales</h2> <p>Even if my kids don't have any of their own money on them, I am known to hand them each a dollar or two when we come across a garage sale, because the situation is rife with learning opportunities. It's great practice conducting sales transactions; kids often have to politely ask how much things cost. It's a safe place to make mistakes, because no matter how useless a toy they purchase might be, chances are they only blew a few bucks.</p> <p>And yard sales, of course, offer true bargains. My son recently purchased a toy space shuttle at a block sale using one week's allowance; he would have had to save for months to buy the same toy new. My 12-year-old is getting so confident shopping yard sales that she will actually negotiate with the seller.</p> <h2>Let Them Sell Their Own Used Toys</h2> <p>This tactic takes some supervision, because unfortunately, kids can seriously undervalue gifts adults have purchased for them. I cringed when my son wanted to sell a remote-control dinosaur that he had received for Christmas at our yard sale, where it might have fetched just $5 (it had cost his grandparents about $100).</p> <p>But with a little price research and some talk about the feelings of gifters, kids can resell toys and use the money for something new. Not only is this a way for them to fund their own purchases, it shows them how quickly most new items lose value.</p> <h2>Let Them Choose Gifts for Friends and Charities</h2> <p>Every time my kids are invited to a birthday party, I turn them loose in the toy shop or bookstore with instructions to choose any combination of items that totals $20 to $25. They've learned to check price tags and weigh the benefits of choosing two or three small items versus one big thing.</p> <p>At the holidays, my kids have conducted fundraisers with their service groups to buy gifts for local foster children. First, they raise the money via a bake sale or other fundraiser, then they use the earnings to buy gifts, using everything they've learned about maximizing their money to do the best they can for the kids they're helping.</p> <p><em>How do you teach your kids about money? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-unexpected-ways-stay-at-home-parents-save-big">7 Unexpected Ways Stay-at-Home Parents Save Big</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-season-give-your-child-the-gift-of-fiscal-responsibility">This Season, Give Your Child the Gift of Fiscal Responsibility</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-8-everyday-buys-will-be-cheaper-this-summer">These 8 Everyday Buys Will Be Cheaper This Summer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buy-these-9-christmas-gifts-now-and-save">Buy These 9 Christmas Gifts Now and Save</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-100s-next-month-with-these-10-grocery-shopping-tips">Save $100s Next Month With These 10 Grocery Shopping Tips</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Family Shopping kids money money lessons money lessons for kids new toys saving money toys Mon, 06 Jun 2016 09:30:25 +0000 Carrie Kirby 1723704 at http://www.wisebread.com How to Save Money on Kids' Activities http://www.wisebread.com/how-to-save-money-on-kids-activities <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-save-money-on-kids-activities" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000074577577_Large.jpg" alt="saving money on kids&#039; activities" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>One thing many parents have in common is that they are rushing around from one activity to another for their children. It takes a full-sized calendar to keep track of who has soccer on which day, and which kid has an upcoming dance recital. If your family juggles a lot of activities during the school year and then in the summer, you know how expensive it can get. Here are few ways to save money.</p> <h2>Buy Secondhand</h2> <p>Gently used sports equipment is surprisingly easy to find secondhand. Before you spring for new sports gear or a musical instrument, check Craigslist, eBay, thrift stores, and even your parent friends. Children often outgrow gear quickly, or they lose interest in an activity. This means you might find equipment such as cleats, shin guards, dance shoes, or a French horn in mint condition for a fraction of the cost.</p> <p>My daughter is in ballet/tap class, and I am surprised at how many pairs of tap shoes I come across at the thrift store for about $1.99 each. Avoid getting any headgear used, especially bicycle helmets, for safety reasons. Also, if your child or teen is involved in a sport that requires a lot of running, new shoes will be better for their alignment and performance. (See also:&nbsp;<a href="http://www.wisebread.com/8-things-you-should-always-buy-used?ref=seealso">8 Things You Should Always Buy Used</a>)</p> <h2>Skip the Pricey, Special Events</h2> <p>Certain activities will come with seasonal recitals, concerts, fundraisers, and fancy dinners. When you sign up for an activity, know upfront which events are required of you. You are not always required to participate in everything. For example, my daughter's dance studio puts on five or so performances a year, each of which might cost $30&ndash;$40 for the costume and tickets to attend. Since she is only three, it is easy to opt out of these performances. The other dance moms are a little perplexed that I would do such a thing, but my main goal is to make sure my daughter has fun and to keep my life simple with two kids under four.</p> <p>As a child, my sister and I were in Taekwondo. There were always tournaments happening, and I remember wanting to go to as many as possible. Thankfully, my parents limited tournaments because, truthfully, as much as I loved doing them, they drained a lot of my time and energy (and my parents', too). When you sign up for a new activity, find out what is really required of you. If your child is still young, like mine, then feel free to forego the optional extras to save money and sanity.</p> <h2>Enroll in One Activity at a Time</h2> <p>I'm always amazed by the parents that juggle two or three or even five different activities with their children. Amazingly, I've never met a parent who actually enjoys being a human taxi to taekwondo lessons, piano lessons, and baseball games. These parents are usually the ones who are stressed out the most or are barking at their kids to hurry up and get ready for the next activity. Guess what? Your kids don't have to do it all. Pick one activity per season. If you have multiple kids have them all enrolled in one activity. If your youngest doesn't want to take soccer with the rest of your kids, then let them know that they will get to choose the activity next season.</p> <p>I think as parents, we are so worried about enriching our children's lives, that we forget they need some downtime and relaxation time with us. It's okay to take a season off of youth soccer. This doesn't mean your child is automatically disqualified from future scholarships or from becoming a pro-athlete (unless of course they are close to graduation).</p> <h2>Get the Sibling Discount</h2> <p>Not only will enrolling your children in the same activity save you some time and stress, but it will also save you money. Many places offer sibling discounts, and siblings can often share equipment. If you don't see a sibling discount offered, don't hesitate to ask.</p> <h2>Start a Hand-Me-Down Bucket</h2> <p>When I first signed up my daughter for dance classes, the teacher asked all the moms if someone had outgrown ballet shoes for us. The next week, another mom brought some for me. I offered her money, but she said, &quot;This is just what the moms do at this studio.&quot; What a resourceful way to help the whole studio.</p> <p>If possible, make an announcement to the parents that you are going to start a &quot;hand-me down bucket&quot; or &quot;share bucket.&quot; Pitch it as a way for them to help with the costs and to clean out their closets of outgrown gear. This works best in settings that kids use the same items each year, such as dance shoes, leotards, karate shirts, and sparring gear, etc.</p> <h2>Pay Ahead</h2> <p>Always ask about discounts for paying ahead or paying in cash. Some places might give you a discount for paying for the whole year upfront, which can save you $30&ndash;$50 that year. The dance studio my daughter is enrolled in offers a $15 discount once a year for those who pay for three months in advance.</p> <p><em>How do you save on your kid's extracurricular activities? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-save-money-on-kids-activities">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-child-care-this-summer">How to Save Money on Child Care This Summer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-amazing-board-games-you-can-diy">8 Amazing Board Games You Can DIY</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-unexpected-ways-stay-at-home-parents-save-big">7 Unexpected Ways Stay-at-Home Parents Save Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment Family activities child activities family time kids shopping sports weekend activities Thu, 02 Jun 2016 09:30:24 +0000 Ashley Eneriz 1722226 at http://www.wisebread.com 5 Frugal Living Truths Every Stay-at-Home-Parent Should Know http://www.wisebread.com/5-frugal-living-truths-every-stay-at-home-parent-should-know <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-frugal-living-truths-every-stay-at-home-parent-should-know" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_children_reading_000089633005.jpg" alt="Stay-at-home-parent learning frugal living truths" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Stay-at-home-moms and stay-at-home-dads are usually the queens and kings of frugality. They know how to stretch a dollar, how to make dinners the kids will love that cost less than $1 per serving, and how to rotate the bills as the money comes in so that everything gets paid. They've learned these things because, often, they had to.</p> <p>There are, though, some greater frugal truths that a lot of SAHMs and SAHDs don't know or, more likely, have forgotten. These are some ideas about frugal living that these folks should keep in the forefront of their minds, so that they can remember the value of what they do. (See also:&nbsp;<a href="http://www.wisebread.com/6-money-myths-about-stay-at-home-moms?ref=seealso" target="_blank">6 Money Myths About Stay-At-Home Moms</a>)</p> <h2>1. Money Isn't Everything</h2> <p>Sure, you know that being there for and with your kids matters. That's why you made the choice to stay at home. But it's really easy to lose sight of why you chose to stay at home when you feel like all you do is change diapers, break up arguments, and generally try to keep small people from certain death. It's also easy to wonder about your choices when you feel like you're always trying to cut corners financially or scrimp until the next paycheck comes.</p> <p>Here's the thing, though: You being there, at home in the daily mess and viewing the daily joys &mdash; it matters. You are giving your kids your time and your presence, and that means more than anything money can buy. You are building relationships that will last until one of you dies &mdash; close, strong, meaningful bonds. Most likely, you chose to stay home because you, yourself, value these things more than money. So live what you believe and remember that money isn't everything.</p> <p>You matter. What you value and what you do matters. And it matters more than any paycheck you might be bringing in if you weren't at home.</p> <p>Note that this isn't to say that being a SAHM or a SAHD is better or worse than being a working parent. But most parents who choose to stay home do it for a reason, and it can be helpful to remember that reason and what you value when financial questions arise.</p> <h2>2. Frugal Choices Are Okay</h2> <p>Many of the stay-at-home-parents I know feel some guilt about the frugal choices they end up making in order to stay home. Maybe they can't feed their kids all organic produce, or they can't afford the art lessons/club sports/individual tutoring that their child really wants. Whatever it is, it can be easy to wonder if you should go back to work in order to make these financial things happen.</p> <p>In the greater scheme of things, though, your frugal choices are okay, especially when they are in line with what you value. If you think that developing close bonds within your family is more important than what sports your kid plays, then focus on those bonds and don't worry about the sports.</p> <p>When you focus on what you value rather than on what others tell you to value, you're teaching your kids a lesson, too. You're teaching them to think for themselves, and to look within for answers, rather than looking at what all their friends are doing.</p> <h2>3. No One Can Give Their Kids Everything</h2> <p>No one. Not even that super-rich couple whose kid is on the baseball team. No one.</p> <p>Most of us want our kids to be happy, to know the value of hard work, to have good friends, and to achieve some degree of success, however they choose to define it. And guess what? Money can't buy any of that.</p> <p>The things that matter most in life are things that money really cannot touch. When you choose to stay at home with your children despite the financial stress and difficulties that can cause, it's easy to feel like you are making them give up a lot of things they might otherwise want. The truth is, though, that if you are showing them what a good life looks like, then you're giving them something money simply can't buy.</p> <h2>4. You Matter, Too</h2> <p>When you're staying at home, not bringing in any income, it's easy to feel like you can't spend any money on yourself. Especially when money is tight, it's natural to feel like you should always buy your kids things before you buy them for yourself.</p> <p>On the other hand, your work has value. Actual monetary value, if the latest research is correct. But beyond that, you are still working hard every day (maybe harder than you've ever worked before!). And you don't need to splurge to the point of creating more debt to acknowledge that. Buy yourself a coffee when you're out and about on a morning when the kids attacked and you didn't get to make your own, and don't beat yourself up over it. Go out with your family and celebrate your birthday.</p> <p>You will feel better about what you do when you celebrate yourself occasionally.</p> <h2>5. You're Teaching Your Kids About Money &mdash; And Life</h2> <p>When you choose to stay at home, that teaches your kids something. When they see you working through a difficult budget, or saying &quot;no&quot; to something you really wanted because the money isn't there, your kids are learning by your example. You can pass on your financial values simply by living them out.</p> <p>You may feel like you aren't doing much, but they're always watching you and learning from what you do.</p> <p>Remember this when times are tough, when everyone is arguing and you feel so poor and you're questioning your decisions. I said at the beginning that what you do matters, that living in alignment with your values is important, and that's true whether you are having a good day or an awful one.</p> <p>So decide what you want to teach your kids and live that out. Live out your financial values and your other ones, too. Live it in everything you do, and you will teach your kids to live the same way.</p> <p><em>What frugal truths help you as a SAHM or a SAHD? How do you get through a bad day at home with the kids?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/5-frugal-living-truths-every-stay-at-home-parent-should-know">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-you-can-learn-from-your-pets">6 Money Lessons You Can Learn From Your Pets</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-teachable-money-moments-to-share-with-your-kids">6 Great Teachable Money Moments to Share With Your Kids</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-child-care-this-summer">How to Save Money on Child Care This Summer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding">5 Affordable Alternatives to Pet Boarding</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family money lessons parents raising kids single income households stay at home dads stay at home moms Wed, 25 May 2016 09:30:21 +0000 Sarah Winfrey 1713143 at http://www.wisebread.com 8 Things I Learned About Money After Getting Married http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-things-i-learned-about-money-after-getting-married" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/married_couple_game_000017059049.jpg" alt="Learning things about money after getting married" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Marriage comes with its fair share of life lessons, and money is among the most prominent of these. Here's what I've <a href="http://www.wisebread.com/9-ways-getting-married-is-good-for-your-finances" target="_blank">learned about money while being married</a> &mdash; for better and worse.</p> <h2>1. Credit Scores and Debt Should Be Laid Bare While You're Still Dating</h2> <p>Money is a taboo subject, in general, and couples &mdash; especially new ones who are still navigating the muddy waters of a blossoming relationship &mdash; don't like to talk about the financial predicaments they may be in. But these conversations are necessary.</p> <p>My husband and I were sort of forced into the conversation as we bought our first home before we got married, but even if that's not on the horizon for you and your partner, it's still good to assess the <a href="http://www.wisebread.com/7-ways-to-increase-your-credit-score-quickly" target="_blank">credit score and debt</a> situation so you both know what you're dealing with. That's not to say that you should dump somebody because their financial standing isn't as great as you might have hoped it would be, but it's certainly a factor to consider as you plan your life together.</p> <h2>2. Discuss Future Financial and Investment Goals Before Saying &quot;I Do&quot;</h2> <p>Before I got married I had plans for my future, but those plans changed (at least a little) when I decided to get hitched. I adapted my strategy to accommodate my husband &mdash; but I didn't derail it altogether, and I don't recommend that you do either. It's about compromise &mdash; it's beneficial to discuss your specific plans and goals ahead of your nuptials. Your partner may not want to open that new business, or carry the potential financial burden that comes along with it. On the other hand, your spouse may be totally on board with how you've mapped out your financial future and/or investments, and vice-versa. But you won't know until you discuss it.</p> <p>Lay it all out on the table before getting anywhere near the altar so you each have a clear idea of where your relationship is headed financially (in theory, at least) once you're joined in holy &mdash; and legally binding &mdash; matrimony.</p> <h2>3. Schedule Uninterrupted Time to Discuss Your Finances in Depth</h2> <p>The only way my husband and I stay on the same page about our finances &mdash; and, specifically, the money that's coming in and going out on a constant basis &mdash; is to schedule time to discuss where we're at financially. We usually have a dinner date once a month where at least part of the conversation is about our budget, expenses, debt, and increases or decreases in expected income.</p> <p>We also have an annual meeting at the end of the year to discuss what we anticipate the next year's expenses to be, and how we plan to meet them. While it's not easy integrating another person into the mix financially &mdash; and it can sometimes be stressful for you if you've overspent or missed a bill and you don't want it to result in an argument &mdash; it's needed so that you can both stay on track and repair snags together.</p> <h2>4. Keep Your Family Out of Your Finances &mdash; Period</h2> <p>In a perfect world, we'd all be rich and nobody would want for anything. That's not the case, however, and sometimes family and friends come knocking for a loan. My general rule is to not provide this type of financial support to anyone, as it rarely turns out well &mdash; and most people will tell you that. My husband, on the other hand, views this subject differently, and there's been at least one time where there was zero discussion about providing the loan to a family member, and I didn't find out about it until after the fact.</p> <p>I wasn't particularly bothered by the amount of the loan or to whom it went &mdash; it was his money and he could do what he wanted with it &mdash; but rather that I wasn't included in the conversation. Even though I wasn't contributing to this particular loan, it could have affected our ability to purchase or finance something we needed down the road, and I felt as if I had the right to be informed.</p> <h2>5. You're Morally and Legally Obligated to Help One Another Financially</h2> <p>Whether you like it or not, whatever happens to your spouse financially also, in a sense, happens to you. This could mean a moral obligation to get out of whatever money pickle you may have gotten into, or, worst-case scenario, it could be a legal obligation, like if you file joint taxes and owe the government money. The IRS debt may be the result of one or the other's financial status &mdash; like if you have taxes taken out automatically each pay period from employment, but your spouse is an entrepreneur (like I am) who pays estimated taxes &mdash; but legally you're both on the hook for the debt. Not being prepared for this situation, or how to handle it responsibly and fairly, can lead to resentment and loads of other issues that you're better off without.</p> <h2>6. Keeping Separate Accounts Can Help Maintain Some Independence</h2> <p>My husband and I keep a joint account for shared purchases, like vacations, but we've also always maintained our own separate checking and savings accounts. For some couples this may seem odd, but for us it's helped us keep a part of our individual independence intact. While we consult each other on major purchases, we don't have to ask one another if we can buy some of the smaller things or little luxuries that we want, which in turn helps us to avoid nitpicking each other about things we don't think the other one should be buying.</p> <p>I can only imagine how couples who co-mingle all their money argue about how many coffees or beers each is buying per week, the 19th pair of new shoes she's bought this year, or the new video game he brought home. The bottom line for us is that the bills get paid and we're still able to save; we're allowed to treat ourselves every now and then without having to ask permission or fear retribution.</p> <h2>7. Debt Can Destroy Your Relationship &mdash; If You Let It</h2> <p>A few years ago I discovered a substantial amount of debt that my husband racked up, and I was completely gutted over the situation. How, why, when, where? So many questions went through my mind, not the least of which was, how are we going to pay this off? I was lucky in that regard as my husband took full responsibility for it and promised to pay it off himself &mdash; and he has. But it may not work out like that for everyone.</p> <p>If your partner isn't capable of paying off the debt, you, in fact, may be responsible for it too if it's attached to a joint credit card or another joint account. When that happens, it will likely put a major strain on your relationship. Old debt is one thing, but new debt &mdash; that is, debt acquired singularly by one partner while you're in the relationship &mdash; has a much more damaging and lasting effect. We were able to get past this and get back on track, but it's not easy. It definitely puts stress on the marriage, which can further worsen an already rocky relationship.</p> <h2>8. Money Doesn't Buy Happiness</h2> <p>All the houses, nice cars, designer clothes, and luxury goods in the world will not make you happy in a relationship you don't want to be in. When you're sitting among all your beautiful things and you wonder why you seemingly have everything but still aren't satisfied, you need to look beyond the bling. There's a deeper issue for which you're trying to compensate. Talk about it; make decisions. Your mental health is worth more than what's in your bank account &mdash; always. Remember that.</p> <p><em>What has marriage taught you about money?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-love-not-money-sort-of">Make Love, Not Money (Sort Of)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-should-you-say-no-to-those-who-want-to-borrow-money-from-you">When Should You Say No to Those Who Want to Borrow Money from You?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-surprising-ways-bad-credit-can-hurt-you">15 Surprising Ways Bad Credit Can Hurt You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family Lifestyle budget meetings compromises credit scores debt marriage money lessons relationships spouses Tue, 24 May 2016 09:30:21 +0000 Mikey Rox 1716048 at http://www.wisebread.com 7 Smart Ways to Save on Maternity Clothes http://www.wisebread.com/7-smart-ways-to-save-on-maternity-clothes <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-smart-ways-to-save-on-maternity-clothes" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/pregnant_woman_happy_000075421715.jpg" alt="Pregnant woman finding smart ways to save on maternity clothes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It is so exciting to watch your baby bump continue to grow throughout pregnancy. However, the ever expanding size of your waist can make fitting into regular clothes harder. If you shop smart, you don't have to let the cost of new maternity clothes flatten your budget.</p> <h2>1. Thrift Stores, Yard Sales, and Consignment Sales</h2> <p>Shopping second-hand is a great place to start your maternity wardrobe search. In my experience, you will find maternity clothes in either excellent condition or in very worn condition. This is because a pregnant woman will usually only wear out her favorite pieces, while only wearing a certain dress or blouse a few times.</p> <p>The thrift store can have very outdated items (think Motherhood Maternity circa 1980s). However, I have personally scored great maternity pieces at yard sales and a semi-annual kids' consignment sale. Look for yard sale listings that advertise maternity clothing or baby items. Many women are grateful to sell their maternity clothes for very little or even give them to you because they are sick of wearing them. When shopping a consignment sale, wait for the half off days to score an even bigger discount. Also, shopping yard sales with a large, pregnant belly has gotten me a bigger discount, but your mileage may vary. (See also: <a href="http://www.wisebread.com/6-ways-to-save-on-pregnancy-expenses?ref=seealso">6 Ways to Save on Pregnancy Expenses</a>)</p> <h2>2. DIY Maternity Pieces</h2> <p>If you have even a hint of sewing skills, you can pull off a handmade belly band, maternity pants conversion, and nursing tops. These DIY maternity wear projects are easy:</p> <ul> <li><a href="http://www.everyday-reading.com/2013/01/make-your-own-maternity-jeans-tutorial.html">Maternity jeans</a> (Use an old or thrifted pair of jeans and $2 worth of elastic)</li> <li><a href="http://www.sewinginnomansland.com/2011/12/17/617/">Jersey knit pencil skirt</a> (Uses about $8 worth of knit fabric)</li> <li><a href="http://seekatesew.com/belly-baby-ruffled-belly-band-tutorial/">Ruffled belly band</a></li> <li><a href="http://www.wikihow.com/Create-a-Maternity-Shirt">Transforming a regular shirt into a maternity shirt</a></li> <li><a href="http://blogs.babycenter.com/tips_and_tricks/diy-the-uncrafty-moms-nursing-bra-conversion/">Nursing bra</a></li> <li><a href="http://www.babybellykelli.com/diy-nursing-tankcami-in-under-10-mins/">Nursing tank and belly band</a></li> </ul> <h2>3. Invest in Basics</h2> <p>Chances are you will want to spend most of your time in leggings, tanks, and flowy t-shirts. No need to pay a premium for these items at the maternity store. Instead, just buy inexpensive brands (i.e. Forever 21 and Ross) in a size or two up. Expect that you will not be able to wear them after you lose the baby weight, since your bump will stretch out your pieces, making them hang oddly.</p> <h2>4. Extend Your Clothes</h2> <p>A <a href="http://amzn.to/1NGN6mn">bra extender</a> and <a href="http://amzn.to/1NGNbqj">belly band</a> (purchased or DIY) will allow you to fit into your clothes for a little bit longer without damaging your current wardrobe. A bra extender costs $3.50 to $7 on Amazon, and a belly band can cost $10 to $20. The bra extender is the best buy, since buying new bras, on top of buying nursing bras, is costly.</p> <h2>5. Share With a Friend</h2> <p>If you have friends that have recently had a baby or will have their baby months before you, then ask if you can borrow their maternity wear. You don't even have to be the same exact size, since maternity clothes sizing is quite forgivable.</p> <h2>6. Buy in a Lot</h2> <p>One thing I did to score a great deal on maternity clothes was to buy them in a lot. I was able to get a whole wardrobe for about $80. This lot included about 20 pieces, and at the end of my pregnancy, I even sold a few pieces on eBay, earning my money back. I ended up getting my maternity clothes for about $4 a piece, and even if I sold all of them for $1 a piece at a yard sale, I would have earned &frac14; of my investment back. This is not too bad considering maternity clothes can be hard to resell, especially for how much they can cost.</p> <h2>7. Shop Clearance</h2> <p>Don't forget to check out the clearance racks of your favorite maternity store, as well as other stores that do not specialize in maternity. Stores like Ross, Marshalls, Target, and Old Navy can have great deals on their maternity clothes. Look for a coupon or Target Cartwheel offer to save even more. (See also: <a href="http://www.wisebread.com/5-surprising-ways-to-save-money-during-your-pregnancy?ref=seealso">5 Surprising Ways to Save Money During Your Pregnancy</a>)</p> <p>Remember that your maternity clothes will only be worn for a few months, so think wisely before spending several hundred dollars on fashionable maternity pieces.</p> <p><em>How did you save money on maternity clothes?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/7-smart-ways-to-save-on-maternity-clothes">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-more-ways-to-save-on-maternity-clothes">4 More Ways to Save on Maternity Clothes</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-places-to-get-cheaper-diapers">5 Places to Get Cheaper Diapers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-ways-to-save-money-on-maternity-dresses">3 Ways to Save Money on Maternity Dresses</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-on-pregnancy-expenses">6 Ways to Save on Pregnancy Expenses</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-smart-ways-to-keep-your-clothes-looking-new">10 Smart Ways to Keep Your Clothes Looking New</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping baby DIY fashion maternity clothes pregnancy sewing thrift shops wardrobe Thu, 19 May 2016 09:00:05 +0000 Ashley Eneriz 1706852 at http://www.wisebread.com 4 Bad Money Habits You're Teaching Your Kids http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-bad-money-habits-youre-teaching-your-kids" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/child_hammer_piggy_bank_000070437303.jpg" alt="You are teaching your kids bad money habits" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Money is a taboo subject in our culture, which means it can be tough for parents to know how to talk to their kids about it. But children are little sponges, and the lessons they learn about money may not be the ones you intend to teach them.</p> <p>Here are four bad money habits you might be passing along to Junior and Sis, without even realizing &mdash; and how to start teaching them positive money lessons. (See also:&nbsp;<a href="http://www.wisebread.com/6-fun-games-that-teach-your-kids-about-money?ref=seealso" target="_blank">6 Fun Games That Teach Your Kids About Money</a>)</p> <h2>The Bad Habit: Entitlement</h2> <p>Every single parent has had this moment. You have made it clear to your kid that they may <em>not</em> have the candy bar or Thomas the Tank Engine figurine or other coveted <em>object du jour</em> &mdash; but the fit they throw in the store is worthy of a gold medal at the temper tantrum Olympics, and it's easier to give in than fight your sobbing child all the way back to the car.</p> <h3>How You Teach It: Caving in to the Tantrum</h3> <p>We all know this is the wrong move, but some days your nerves are stretched to the breaking point and it's just easier to buy the candy bar. However, making a habit of caving to a tantrum can lead to a child who rivals Veruca Salt in feeling entitled to anything and everything money can buy.</p> <h3>The Better Move: Acknowledge Your Child's Wants</h3> <p>The best way to head off an incipient <em>I want it NOW</em> temper tantrum &mdash; and thereby teach the difference between needs and wants &mdash; is to recognize that to your child, this <em>is</em> a big deal.</p> <p>For instance, with my own kids, I will often respond that the candy bar <em>does </em>look delicious, but that it's going stay at the store and not come home with us. Similarly, I encourage my kids to say &quot;bye-bye&quot; to toys or books they want me to buy, giving them the opportunity to make the transition from coveting the item to letting it go. It's not a foolproof method, but it does help them to at least have a framework for letting go of wants that they can't have.</p> <h2>The Bad Habit: A Scarcity Mindset</h2> <p>Knowing how much to tell your kids about big topics is something that all parents grapple with, and money is no different. That's why many parents end up simply falling back on stock answers like &quot;We can't afford it&quot; when their kids ask for something.</p> <h3>How You Teach It: Saying &quot;We Can't Afford That.&quot;</h3> <p>The problem with doing this is twofold. On the one hand, it can make kids feel resentful about how money is spent in the family if they do not understand why you make the financial decisions you do. They might notice that their sibling got new shoes but you couldn't afford the video game they wanted that cost the same amount.</p> <p>In addition, hearing that something is unaffordable can make kids worry about money and start focusing on instant gratification. Kids who hear that their parents can't afford something are learning that money is a scarce commodity, and that it should be used up quickly when it is available.</p> <h3>The Better Move: Invite Your Children to Plan Their Purchases</h3> <p>The big problem with the scarcity mindset is that it leads to zero-sum thinking and takes control out of your child's hands. If your teen wants to go on a ski trip with her friends, saying &quot;We can't afford that&quot; simply shuts down the entire discussion and makes her think that things might be more affordable if it weren't for that bratty little brother of hers.</p> <p>Instead, you could ask your teen &quot;How can you afford this?&quot; and put the control right back in her hands. That will allow her to start thinking of money as something she can earn and control, rather than something that controls her life.</p> <h2>The Bad Habit: Relying on the Bank of Mom and Dad</h2> <p>Your son has spent all of his allowance for the week when he is invited to go to the fair with his friends. Even though you swore you wouldn't give him an advance on next week's allowance again, you hand over some cash so he doesn't miss out on fun with his friends.</p> <h3>How You Teach It: Solving Your Kids' Problems for Them</h3> <p>This is such an easy habit to fall into, but it's a terrible lesson for your child. Watching your kid miss out on something &mdash; even if the problem is their own making &mdash; is tough for parents. You want to give them a fun childhood.</p> <p>But it is so important for children to learn that financial decisions have consequences, and spending all of their allowance money as soon as they have it means there's no money for other opportunities.</p> <h3>The Better Move: Let Your Kids Be Disappointed</h3> <p>It is far better to learn the lessons about financial planning when the stakes are low than when your child is an adult and has to ask you for rent money. Feeling the disappointment of missing out on the fair and understanding that you are not there to bail them out of financial woes is a lesson that will stay with your child &mdash; and keep you from having to maintain the bank of Mom and Dad into their adulthood.</p> <h2>The Bad Habit: Seeing Work as a Chore</h2> <p>Unloading about your terrible day at work is a natural reaction to stress. It's not a big deal to let your spouse and family know that you've had a tough day and that no one is to say the word &quot;spreadsheet&quot; within your hearing for the evening.</p> <h3>How You Teach It: Complaining About Your Job</h3> <p>The problem is when the only way you talk about work is through complaints. This teaches your children that work is a chore that must be gotten through in order to collect a paycheck. And while work can sometimes be that, it can also be a satisfying career, or even a higher calling that energizes you. Even if you do not have that kind of relationship with your job, you do want your kids to know that it's possible.</p> <h3>The Better Move: Express Whatever Gratitude You Can for Your Job</h3> <p>One of my favorite parts of the truly terrible final episode of <em>How I Met Your Mother</em> was the running gag about how much the character Marshall hated his corporate law job, but refused to say anything negative about it. Instead of complaining, he would say that his chair was reasonably comfortable and that he didn't cry at work more than twice that week.</p> <p>Though this is clearly an exaggeration, it is a good method to adopt when your job is stressful. Not only will you remember the good things in your job &mdash; even if it's just the fact that you're grateful to have a paycheck &mdash; but it will also help you remember that your kids are learning about the world from you. You don't want them to think growing up is the worst thing in the world.</p> <h2>Teach Your Children Well</h2> <p>Money habits are often picked up unconsciously, rather than taught. Instead of letting your children unknowingly learn negative financial habits, make sure you are intentional with your money lessons. It will pay off in the long run, even if it does cause more temper tantrums in the short run.</p> <p><em>Are you teaching your kids these &mdash; or other &mdash; bad money habits? What are you doing instead?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-having-kids-makes-you-more-frugal">8 Ways Having Kids Makes You More Frugal</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married">8 Things I Learned About Money After Getting Married</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-fun-games-that-teach-your-kids-about-money">6 Fun Games That Teach Your Kids About Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle allowances bad habits children job stress kids money lessons spoiled Wed, 11 May 2016 10:00:11 +0000 Emily Guy Birken 1703949 at http://www.wisebread.com 5 Affordable Alternatives to Pet Boarding http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-affordable-alternatives-to-pet-boarding" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000079180615_Large.jpg" alt="traveling with pets" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Summer is just around the corner and you can't stop daydreaming about getting away for the week. There is only one problem. What are you going to do with your pet? When it comes to traveling, the thought of leaving Fido in a kennel for the week makes many pet owners uneasy.</p> <p>Not only can kennel boarding be expensive, but your pet will not get the care and love they are used to getting daily from you. Your pet can also develop behavioral issues and possibly diseases from being kept in a kennel, including stress, kennel cough, and fleas. If kennel boarding is not your first choice, these five alternatives are easier on your pet and wallet.</p> <h2>1. Hire a House Sitter</h2> <p>You can have your house and your pet watched for one price, essentially killing two birds with one stone. House sitters can get pricey, but if you can find a trustworthy college student or family member to do the job, then you can save quite a bit.</p> <p>According to Care.com, kennel boarding&nbsp;<a href="http://www.care.com/pet-care-pet-care-cost-p1145-q7401.html">costs an average of $20&ndash;$25</a> per day for small animals. I have two dachshunds, therefore, if I were to take a five-day vacation, boarding my dogs could cost $40&ndash;$50 per day, or $200&ndash;$250 for the duration of my trip. I am certain there are many reliable college students that would be over the moon to make $100&ndash;$150 for crashing on someone's couch for a week, enjoying free food and Wi-Fi.</p> <p>A house sitter is an ideal choice if you can find the right person. Not only will a house sitter give your pet company and care, but you can also prevent a break-in from happening while you are gone. House sitters can also bring in important mail and packages, water plants, and make sure your trash cans get put out on trash day. Care.com is just one website where you can hire affordable house sitters. I have used Care.com before and I like it because it allows you to run background checks before hiring someone.</p> <h2>2. Ask a Friend or Family Member</h2> <p>If you have the type of pet that is easy to drop off with a friend or family member, then ask for a favor. My in-laws used to drop off their dachshund at my house when they traveled, and since all the dogs liked each other, it was a win-win for both me and my in-laws.</p> <p>Friends and family members are also more willing to barter their time for home cooked meals or a few nights of babysitting. If you can get a friend or family member to agree to take your pet for your trip, you can save $100&ndash;$300, depending on how many pets you have and how long you will be gone. (See also:&nbsp;<a href="http://www.wisebread.com/5-pet-costs-you-dont-see-coming?ref=seealso">5 Pet Costs You Don't See Coming</a>)</p> <h2>3. Hire Someone Just to Check In</h2> <p>If you have low-maintenance animals, like cats, you can just hire someone to show up each day or every other day to refresh the food, water, and litter box. Some dogs could be left alone with minimal pet sitting, too. If you have a dog door and an automatic feeder, then just hire someone to walk your dog for an hour each day, as well as refresh food and water. You can hire someone for as cheap as $10 per hour.</p> <h2>4. Peer-to-Peer Pet Sitting</h2> <p>There are two websites that match you directly with other pet owners and pet lovers in your area.&nbsp;<a href="https://dogvacay.com/">DogVacay</a> and&nbsp;<a href="http://us.holidog.com/">Holidog.com</a> list local individuals who will take your pets into their home for the duration of your trip. In my area, prices started out at $20 per night. In one listing, the individual even said they text pictures and reports daily to the owners. (See also:&nbsp;<a href="http://www.wisebread.com/23-tips-for-traveling-with-pets?ref=seealso">23 Tips for Traveling With Pets</a>)</p> <h2>5. Take Your Pets With You</h2> <p>Traveling with your pet is not always an affordable option, especially if there is airfare involved. However, for road trips, it might just be simpler and less expensive to bring your favorite canine or feline with you. Many more hotel chains are allowing pets to stay in their rooms, although some fees and restrictions do apply. You might even have some luck finding a pet-friendly room or house on Airbnb.</p> <p><a href="https://www.tripadvisor.com/ShowTopic-g1-i26969-k5837472-Hotel_Pet_sanitation_deposits_fees-Traveling_with_Pets.html">Marriott</a> charges a $100 sanitation fee for your pet to stay with you, and&nbsp;<a href="http://www.bestwestern.com/travel-planning/tips/traveling-with-pets.asp">Best Western</a> charges $20 per day, with a maximum of $100 per week for up to two dogs. Other pet types, such as cats, snakes, monkeys, etc. might be allowed depending on the property. Pet owners need to ask in advance.&nbsp;<a href="http://www.LQ.com/pets">La Quinta Inns</a> and Suites is the best choice for a hotel because it has over 880 pet-friendly locations and does not charge a fee or deposit.</p> <p>Don't let the cost of boarding your pet ruin your vacation or travel plans. Any of the above options could work for your situation and save you money &mdash; you just need to use a little creativity.</p> <p><em>What do you do with your pet when you travel?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Affordable%20Alternatives%20to%20Pet%20Boarding.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-you-can-learn-from-your-pets">6 Money Lessons You Can Learn From Your Pets</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-dog-costs-you-should-prepare-for-now">5 Unexpected Dog Costs You Should Prepare for Now</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-groupon-getaways-a-good-idea">Are Groupon Getaways a Good Idea?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-child-care-this-summer">How to Save Money on Child Care This Summer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-useful-items-hotels-usually-provide-for-free">14 Useful Items Hotels Usually Provide for Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family Travel cat dog family pet flying with pets house sitter pet boarding pet sitting travel Tue, 10 May 2016 09:00:10 +0000 Ashley Eneriz 1706813 at http://www.wisebread.com 10 Ways to Keep Your Kid's Prom From Ruining Your Budget http://www.wisebread.com/10-ways-to-keep-your-kids-prom-from-ruining-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-keep-your-kids-prom-from-ruining-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girls_prom_dresses_000036547446.jpg" alt="Girls learning how to keep prom from ruining their parents&#039; budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You knew this day was coming, moms and dads, and you've dreaded prom at least since the beginning of the school year, perhaps even longer. But this penultimate high school milestone for your kid doesn't have to clean out your bank account. By being proactive about your purchases, using your resources, and applying a bit of savvy spending, you can send you junior or senior off to the last(ish) dance in style. Here are a few ways to save on the big night.</p> <h2>1. Create a Budget With Your Kid</h2> <p>Prom spending can get out of hand quickly if you're not vigilant in putting your foot down. Your kids will push you to buy whatever they can get out of you because they want the best. They also know that your emotions are vulnerable as they head toward graduation, which makes you and your wallet a prime target for swindling. According to a Visa Inc. survey published by Fortune last year, the average American family will spend $919 on prom, one-third of which is the elaborate &quot;promposal,&quot; which has become the requisite method of inviting a date. One guy skydived out of a plane to pop the question, and I recently saw a teen ask his date with a huge sign at a Dodgers game. Kids these days.</p> <p>Nonetheless, the key to keeping costs down is to create a realistic budget. Make prom an opportunity to teach your children about budgeting and money management.</p> <p>Saving expert Andrea Woroch suggests having your son or daughter create a spreadsheet of all the expenses related to the event, and ask them to research prices so estimates are accurate.</p> <p>&quot;Once they see how much the dance will cost, talk to them about which expenses are most important and which ones can be economized,&quot; she says.</p> <h2>2. Share the Cost of Some Expenses</h2> <p>I believe wholeheartedly in teaching kids the importance of work ethic at an early age. You don't have to sentence them to 40 hours at the shoe factory at age 10, but by age 16 they should at least have a part-time job to pitch in for gas, weekend recreation activities, and some additional things they really want/can't live without &mdash; like pricey prom purchases.</p> <p>&quot;Though we want to give our kids the very best in life, going into debt to do so is not smart, nor does it set a good example,&quot; Woroch says. &quot;Suggest to your kids that they share the cost for prom and contribute money toward the dress or suit, dinner, transportation, flowers and more. Encourage them to chat with their friends about sharing costs too, so everyone's expenses can be reduced.&quot;</p> <p>Plus, it's easier than ever for kids to earn extra cash these days.</p> <p>They can take on extra jobs around the neighborhood or sell unwanted clothes on consignment. In fact, Macy's is <a href="http://www1.macys.com/recommerce/refresh?cm_re=2016.03.08-_-HOMEPAGE_INCLUDE_1-_-CATEGORY%20--%205125%20--%20:Thred%20up%20Clean%20out%20your%20closet">partnering with consigner thredUP</a> to help consumers trade gently used clothing in exchange for a Macy's gift card. If you have old gadgets lying around, suggest they sell them for cash through sites like Gazelle, Nextworth, or Glyde.</p> <p>Bonus &mdash; it'll help cut some of their clutter before they abandon it for you to deal with when they leave for college. Totally gonna happen.</p> <h2>3. Scour Savings and Compare Prices</h2> <p>If you practice good personal finance in your day-to-day dealings, the same principles should be applied to prom shopping. Look for deals and compare prices before you commit to anything.</p> <p>&quot;If your teen falls in love with a certain dress, tux, or limo, suggest they check the price of that item or service in multiple places,&quot; financial expert and SAFE-Money Alliance founder Mark Goldstein recommends. &quot;This is always a great habit to teach. Remember, prom is a great way to get their attention and teach them skills they will use the rest of their lives.&quot;</p> <p>Skills like how to use coupons and discounts to shave off a significant amount of money from purchases will come in handy now and later.</p> <p>&quot;Point them toward such money-saving tools as discount gift cards and daily deals, and suggest they haggle for the best price on transportation or tuxedo rentals,&quot; Woroch says. &quot;Some of these strategies are easier than others, but all offer tools for use beyond prom night.&quot;</p> <h2>4. Consider Dress-Buying Alternatives</h2> <p>Purchasing a dress is typically a big expense, especially since the garment will only be worn once. Instead of buying, scan sites like <a href="https://www.renttherunway.com/">Rent the Runway</a> for designer gowns at a fraction of retail prices. Often times, celebrity-worthy dresses can be rented for less than $100. You also can suggest shopping consignment stores and sites like Poshmark, Tradesy, or even <a href="https://bridesmaidtrade.com/">Bridesmaid Trade</a>, which offers thousands of formal dress styles for a discount.</p> <p><a href="http://www.offerupnow.com/">OfferUp</a> is another great local resource that makes prom dress shopping on a budget a pinch. Users/parents take a picture of the item they want to sell, set a price and category, then post. From there, you can easily chat with sellers through the app to settle on price. Plus, at the end of the night, you won't have to hang your dress up in your closet to sit there for a few years &mdash; you can easily post it right back on the app and sell it to another girl in your neighborhood looking to pinch pennies on prom.</p> <h2>5. Spring for a Forever Tux Instead of a Rental</h2> <p>There are plenty of differences between boys and girls, one of which is that most girls wouldn't be caught dead in their prom dress twice while guys will wear the same tux over and over for the rest of their life (or until their waistline starts to reject it). What I'm getting at here is that it may be more economical to spring for a tux that your son will own outright &mdash; saving him a good chunk of change down the line on a would-be rental when life calls for formalwear.</p> <p>&quot;The average cost of a groom's tuxedo &mdash; or your teenage son's prom apparel &mdash; is $197, according to the Bridal Association of America. Tuxedo rentals cost anywhere from $50 to $100, and if your son attends all three proms in high school (plus a host of other formal events), it's better to invest in a nice suit than pay exorbitant rental fees each time he needs one,&quot; says Woroch.</p> <h2>6. Skip the Real Flowers</h2> <p>Real flowers are so passé &mdash; and downright costly. There are several alternatives to flowers (that you also can cherish as a keepsake well after the event), like boutonnieres and corsages make from paper, ribbon, fabric, and even feathers. I personally own a fabric flower boutonnieres, and I enjoy when I get to wear it very much. Check out this awesome tutorial for some exquisite <a href="https://liagriffith.com/paper-flower-diy-corsage-and-boutonniere-tutorial/">DIY paper corsages and boutonnieres</a>.</p> <p>If real flowers are a must for your kid, Woroch recommends keeping it simple to keep costs lower.</p> <p>&quot;Carnations and alstroemeria are cheapest (up to $20) while Calla lilies will cost upwards of $55. Roses and orchids are moderately priced and can typically be used singularly to save costs,&quot; she says.</p> <h2>7. Shop Online (Smartly)</h2> <p>While this is an obvious tactic that offers the potential to save you a bundle, it's wise to make educated decisions regarding purchases, especially dresses. If something seems too good to be true, it probably is. Don't let the deep discounts sway you if you don't feel good about the purchase.</p> <p>&quot;Deals on attire and accessories can be found online, but the parents and prom goers should be wary of dress scams,&quot; Woroch warns. &quot;Some websites with overseas inventories offer beautiful-looking gowns for very cheap prices, and the garments rarely meet expectations. Quality, fit, color, and style can be drastically different than advertised, so it's better to work with trusted sites and brands.&quot;</p> <p>As an alternative, look for prom coupons for big savings from places like Kohl's, Macy's, Lord &amp; Taylor, and other reputable brands known for slashing prices.</p> <h2>8. Schedule an Updo at a Beauty School</h2> <p>Part of the prom experience is getting your hair and makeup professionally done. Seek out salon or cosmetology schools in your area and ask about services from students. For example, an updo at Phagans School of Hair Design in Portland, Ore., will cost only $22, while a blow dry style with shampoo and conditioner runs only $8. If you go this route, make sure you reserve a time well in advance; you won't be the only parent with this bright idea.</p> <h2>9. Play Amateur Photographer</h2> <p>In today's camera-at-the-ready society, your smartphone can capture all the memories you'll need with brilliant clarity and color. Plus, they're instant &mdash; you can edit and share immediately so your friends and family can experience the day with you. If you want to frame a few, upload your favorites to the online photo shops at CVS, Walgreens, or Rite-Aid, and pick up your prints in about an hour.</p> <h2>10. Host the Pre- or Post-Prom Party With Other Parents</h2> <p>I'll be honest, when I was a kid I didn't want my parents involved in much of the prom experience. I wanted to go out and have fun with my friends &mdash; without parental supervision &mdash; ASAP. But, if you have one of the &quot;good&quot; kids, Woroch's last tip might work well for you.</p> <p>&quot;Cut back the pricey pre-prom restaurant meal by hosting a formal dinner for your kids and their friends,&quot; she says. &quot;Head to a warehouse club to save on bulk ingredients if the party consists of a big group. While a house full of high school students at odd hours of the night may not sound very appealing, hosting the after party will help everyone save money. Connect with parents to split food costs and possibly a DJ to make the at-home party more appealing to your teens.&quot;</p> <p><em>Is your child going to prom this year? How will you save on expenses? I'd love to hear from you in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-ways-to-keep-your-kids-prom-from-ruining-your-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-kids-eat-free-restaurants">Best Kids Eat Free Restaurants</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-kids-activities">How to Save Money on Kids&#039; Activities</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-cheap-fun-things-to-do-with-kids-this-weekend">20 Cheap Fun Things to Do With Kids This Weekend</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-child-care-this-summer">How to Save Money on Child Care This Summer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Family formal clothes high school juniors kids prom teenagers Mon, 02 May 2016 09:30:25 +0000 Mikey Rox 1698661 at http://www.wisebread.com 17 Part-Time Jobs to Do While Your Kids Are at School http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/17-part-time-jobs-to-do-while-your-kids-are-at-school" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_home_000089876851.jpg" alt="Woman doing part-time jobs while her kids are at school" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Balancing parenting and work can be a challenge, especially if you have young children. With school days ending in the early afternoon, many working parents have to get additional after-school care if they want to work a full-time job. Like many parents out there, I would love to have the flexibility to work during school hours, and be able to be home when my kids are done with the school day.</p> <p>While they may be harder to find, there <em>are</em> jobs out there that are either part-time, or work within the school schedule, giving you time with your kids <em>and</em> the ability to contribute to the family income. (See also: <a href="http://www.wisebread.com/6-best-jobs-for-working-moms-and-dads?ref=seealso">6 Best Jobs for Working Moms and Dads</a>)</p> <h2>1. School Jobs</h2> <p>It's obvious, but one of the best ways to work during school hours is to work at a school. You could get credentialed as a classroom teacher, but there are also many other support positions available at schools. These include: teacher's aides, bus drivers, cafeteria staff, administrative assistants, counselors, nurses, speech therapists and other instructional specialists, as well as substitute teachers.</p> <p>Some of these positions require specialized education; others do not. In California, for instance, the requirements for being a substitute teacher are having a bachelor's degree and passing a reading/math/writing test. One huge benefit of working at a school is that you can be on break during the summer just as your kids are, reducing the need for additional childcare.</p> <h2>2. Freelance Writer/Editor/Proofreader</h2> <p>Freelance jobs give you the flexibility to set your own hours and work as much or as little as you'd like. However, they usually don't offer benefits, and may not always provide a steady income. They may also require a significant amount of unpaid legwork looking for gigs and drumming up business.</p> <p>Freelance writing, editing, or proofreading jobs are perfect for working from home, and all you need is an Internet connection and a word processor. If you are gifted with words, blogging or copywriting might be a good fit. A few online courses could also prepare you for a part-time job as an editor or proofreader. (See also: <a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=seealso">22 Websites That Will Pay You to Write for Them</a>)</p> <h2>3. Freelance Artist or Designer</h2> <p>I know of several people who are working flexible jobs in creative fields. One is a freelance graphic artist who designs wedding and party invitations, as well as websites. Another does beautiful calligraphy and watercolor art for weddings and events, and has collaborated with various companies to put her designs on phone cases and other products. If you love being creative, consider turning your hobby into a career as a freelance artist.</p> <h2>4. Sell Stuff Online</h2> <p>It has become increasingly easy to sell things via e-commerce platforms like eBay, Etsy, Amazon Marketplace, and even social media platforms like Instagram and Facebook. Do you love thrifting? Consider selling some of your vintage finds or name brand clothing. Are you crafty or artistic? You could open a small business selling jewelry, handicrafts, cards, baby accessories, and more. I know one stay-at-home-mom who started a business selling a monthly beauty subscription box. If you want to sell on a larger scale, you could also try starting your own e-commerce store.</p> <h2>5. Fitness Instructor</h2> <p>Yoga and Pilates instructors, personal trainers, and other fitness instructors often have a great deal of flexibility to set their own hours, whether they work at a studio or on their own. If you're already a fitness buff, consider turning something you enjoy into a money-making venture.</p> <h2>6. Teacher</h2> <p>If you enjoy teaching, there are many part-time opportunities to share your knowledge without being tied to a 9-to-5 workday. Many learning centers, language schools, private schools, community colleges, and music schools may hire teachers or tutors for just a few hours a day. True, some of these hours may be in the evening, but it may be easier to arrange for a partner, grandparent, or babysitter to watch the kids in the evening after traditional work hours.</p> <h2>7. Online Tutor</h2> <p>Tutoring or teaching online is now a great option for people looking to work from home. With your computer, a headset, and a high-speed Internet connection, you can teach people from all over the country (or the world) from the comfort of your couch.</p> <h2>8. Offer In-Home Daycare</h2> <p>If your children can get transportation to and from their schools, allowing you to stay at home, you might be able to operate an in-home daycare. This can be a great way to care for your own children while making some extra money. Be aware of the licensing requirements in your state, though. If you're caring for children from more than one family, you probably need to be licensed.</p> <h2>9. Test Scorer</h2> <p>Standardized testing is a big part of the education system these days, and all those tests need people to score them. For instance, <a href="http://www.pearsonassessments.com/careers.html">Pearson Assessments</a> hires college-educated people to score tests and essays from home, on a flexible schedule.</p> <h2>10. Freelance Bookkeeper or Tax Preparer</h2> <p>Help a small business owner by keeping track of their accounts and helping them with quarterly taxes. This kind of work is often very flexible and, aside from meetings with your clients, can be done anytime during the day. While an accounting background can be helpful, it's not necessary as long as you have a good head for numbers and can learn to use some of the many accounting software tools available.</p> <h2>11. Freelance Photographer</h2> <p>If you're gifted with a camera, doing family portraits, product photography, and even wedding and event photography can be a good part-time job. While you often have to work weekends for events, you can do the rest of the work &mdash; such as editing and retouching &mdash; on a flexible schedule.</p> <p>Don't forget, there's also money in stock photography. Submit stock photos to sites like <a href="http://www.shutterstock.com/">Shutterstock </a>and <a href="http://www.istockphoto.com/">iStockPhoto</a>, and you'll be paid every time someone purchases your image. My husband submitted a few dozen photos and graphics several years ago, and we still earn passive income every month even though he no longer has the time to submit new photography.</p> <h2>12. Social Media Manager</h2> <p>The explosion of social media has opened up a whole new field of employment. Because you can manage social media accounts remotely, these jobs are often quite flexible. Many businesses hire social media managers to generate content and post to their Instagram, Twitter, and Facebook accounts, as well as interact with their audience online. If you are naturally good at social media and find it easy to gain followers, this might be just the job for you.</p> <h2>13. Party Planner</h2> <p>If you're known in your social circle as the parent who always throws the perfect party, you might be able to put those skills to use as a party planner. Yes, parties often take place on weekends, but you can do a lot of the prep work while your kids are at school.</p> <h2>14. Translator</h2> <p>If you are fluent in more than one language, doing online translation can pay quite well, depending on the company and content. The best thing is, doing online translation work is often very flexible, as long as you can meet your deadlines.</p> <h2>15. Online Customer Service Agent</h2> <p>Many companies now source their customer service agents from people working from home. Depending on the company, you might answer using your Internet connection and computer, or via your cellphone. Often these programs are flexible and you can work whenever you want. Check out sites like <a href="http://www.workingsolutionsjobs.com/">Working Solutions</a> as a place to start.</p> <h2>16. Administrative Assistant</h2> <p>Often, offices require extra help for clerical work on a part-time basis. You may be able to find administrative work on a part-time basis for a few hours a day. Think outside traditional offices and broaden your options with churches and other religious organizations, small businesses, and self-employed entrepreneurs who might need a personal/administrative assistant.</p> <h2>17. Driver and Delivery Services</h2> <p>Companies like <a href="https://www.uber.com/">Uber</a>, <a href="https://www.lyft.com/">Lyft</a>, <a href="https://www.doordash.com/">Doordash</a>, <a href="https://postmates.com/">Postmates</a>, <a href="https://flex.amazon.com/">Amazon Flex</a>, and more have made it easy for people to hire drivers and couriers through an easy-to-navigate app. You'll need a car and a smartphone, but you can set your hours whenever it's convenient for you &mdash; though you'll make more at certain times than at others.</p> <p><em>What other jobs can be done during school hours? Let us know in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">5 Unexpected Side Benefits of Your Side Hustle</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-make-a-living-in-the-gig-economy">Can You Really Make a Living in the Gig Economy?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-side-jobs-for-people-who-are-good-with-money">6 Side Jobs for People Who Are Good With Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/day-job-or-freelance-which-is-right-for-you">Day Job or Freelance: Which Is Right for You?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-freelance-jobs-that-pay-surprisingly-well">11 Freelance Jobs That Pay Surprisingly Well</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Family Job Hunting extra income freelancer part-time job side hustle side job stay-at-home mom working mom Mon, 02 May 2016 09:00:05 +0000 Camilla Cheung 1700127 at http://www.wisebread.com The 8 Best Pets for Frugal Animal Lovers http://www.wisebread.com/the-8-best-pets-for-frugal-animal-lovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-8-best-pets-for-frugal-animal-lovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000020594867_Large.jpg" alt="a goldfish is a frugal pet" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Contemplating becoming a pet parent? There are plenty of things to consider before taking the plunge &mdash; like making sure the animal is properly cared for and <em>loved</em> (it's not all about you, remember). But you also need to account for how much time and money it will cost to make a pet part of your life.</p> <p>If you're not ready to make a major commitment with a puppy or a kitten, however, you can still realize the joy of owning a pet with an animal that's a bit more self-sufficient. Here are a few suggestions that are good for pet-parent beginners, young and old alike. (See also: <a href="http://www.wisebread.com/6-money-lessons-you-can-learn-from-your-pets?ref=seealso">6 Money Lessons You Can Learn From Your Pets</a>)</p> <h2>1. Hermit Crab</h2> <p>It's basically a rite of passage &mdash; if you live anywhere near a beach, anyway &mdash; to adopt a hermit crab as a kid. I grew up in the Mid-Atlantic, and everyone I knew had a hermit crab at one point or another during childhood, mostly because it was much easier to convince our parents to let us have this easy-to-maintain pet opposed to, say, a rabbit or an otter, or the pig I've always wanted. Hermit crabs cost about $8.</p> <p>Providing sustenance for a hermit crab is a cinch, it's no real fuss to keep a bowl of clean water and food in its habitat to access when necessary. Pelleted hermit crab food can be purchased from a pet store for around $10, but in addition, you also can feed it chopped apples, grapes, bananas, kale, and broccoli.</p> <p>Hermit crabs are nocturnal and social, so you may want to pick up a friend or two that it can jam out with when you go to bed at night. It's also recommended that you&nbsp;<a href="http://pets.petsmart.com/guides/hermit-crabs/caring-for-hermit.shtml">provide the habitat with a sea sponge</a> that the crab can climb on as well as bigger shells the crab can change into as it grows, and that'll cost you about $35.</p> <h2>2. Guinea Pig</h2> <p>If you're considering a small rodent, you have plenty of choices, and the most popular among them is arguably the hamster. Hamsters are cute, for sure, but in terms of ease of care and overall friendliness, a guinea pig could be the better fit for you. For starters, unlike hamsters, which are nocturnal, guinea pigs tend to nap, and are alert and friendly whenever you're ready to cuddle and play. Another plus &mdash; they're less likely to bite than other rodents, like hamsters and rabbits. Guinea pigs cost around $30.</p> <p>In terms of care, you should handle your pig regularly (and why wouldn't you &mdash; they're adorable!), and provide it with about four square feet of<a href="https://www.lovethatpet.com/small-pets/guinea-pig/"> habitat filled with creature comforts</a> like soft bedding, store-bought food, fruits, veggies, and water, which will set you back about $100 when all's said and done.</p> <h2>3. Gecko</h2> <p>Some people cringe at the thought of creepy-crawly pets like amphibians and reptiles, but geckos &mdash; a type of lizard (and also the Geico mascot) &mdash; are cute, quiet, clean, and very affordable at $20.</p> <p>All a gecko needs to live out its happy life is a terrarium outfitted with a few rocks and logs; a light bulb to keep it warm because it's cold-blooded (this part is very important so you don't freeze it to death at room temperature); and its favorite food: mealworms or crickets, which only cost a few cents a serving, and are available at any pet store. A complete equipment kit is $50, plus the cost of the actual homing structure, like an aquarium.</p> <h2>4. Freshwater Fish</h2> <p>Freshwater fish are one of the most, if not <em>the</em> most, inexpensive and low-maintenance pets to own. They're so cheap, in fact, that you can get goldfish &mdash; the reigning king of freshwater pet fish &mdash; for pennies. At PetSmart, for instance, goldfish cost about 14&ndash;29 cents. Including the bowl, water purification tablets, habitat features (like rocks), and food, you can walk away with the whole setup for less than $15.</p> <h2>5. Snake</h2> <p>You might notice somewhat of a trend on this list that most of the low-maintenance and low-cost pets are also low energy and make almost zero sound. Case in point, the snake, which for some will send shivers down their spines. But you can pick up a fancy corn snake for around $70, plus a complete habitat kit for $50. You'll also need a tank in which the snake can live, and that'll run you about $100 on the low end, but you can probably find one on Craigslist for cheaper. Mice, because the snake's got to eat, run about $13 for four frozen medium specimens, and you'll feed the snake one to two times a week.</p> <h2>6. Rat</h2> <p>I know, I know, it's a rat, but hear me out. Male fancy rats (it seems like everything at the pet store is called &quot;fancy,&quot; by the way, and I don't know why) are highly intelligent, and surprisingly cuddly. They're also only $11. A starter kit setup, which includes the cage, toys, and food, is $100. The love you'll have for your new scavenger friend, however, is priceless.</p> <h2>7. Ants</h2> <p>You can't handle or play with ants like you can many of the other animals on the list, but that might work for you, if you prefer to be a more hands-off pet owner. Amazon lists <a href="http://www.amazon.com/gp/product/B00000IRUG/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00000IRUG&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=TMF2L7M5O25MAWPO">Uncle Milton's Giant Ant Farm</a> for about $24 all in.</p> <h2>8. Pet Rock</h2> <p>Some people shouldn't be responsible for the life of another being. You know who you are. If you can't even keep a houseplant alive, pet ownership probably isn't for you &mdash; at least right now.</p> <p>In that case, do what a million and a half other suckers did in 1975 and buy a <a href="http://www.amazon.com/gp/product/B00A98BHK0/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B00A98BHK0&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=IKIBD44V4T4K6W4V">Pet Rock</a>. For about $13, you too can experience the sheer awesomeness of staring at a stone with zero responsibility to it whatsoever. On a side note, if this is up your alley, let's talk about a bridge I'd like to sell you.</p> <p><em>Do you have any low maintenance pets? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/the-8-best-pets-for-frugal-animal-lovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-money-on-child-care-this-summer">How to Save Money on Child Care This Summer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-affordable-alternatives-to-pet-boarding">5 Affordable Alternatives to Pet Boarding</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-6-least-expensive-dog-breeds-to-own">The 6 Least Expensive Dog Breeds to Own</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/19-frugal-ways-to-entertain-teenagers">19 Frugal Ways to Entertain Teenagers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-you-can-learn-from-your-pets">6 Money Lessons You Can Learn From Your Pets</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Family adopt a pet animal lovers low maintenance pets pet owners pets Mon, 25 Apr 2016 10:00:06 +0000 Mikey Rox 1695990 at http://www.wisebread.com Does Your Kid Need an IRA? http://www.wisebread.com/does-your-kid-need-an-ira <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/does-your-kid-need-an-ira" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/child_piggy_bank_000073782665.jpg" alt="Child needs an IRA and here&#039;s how to set one up" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's a big day when you open a savings account for your child, but opening an investment account on their behalf takes the financial conversation to a whole new level &mdash; especially when you <a href="http://www.wisebread.com/4-reasons-why-a-roth-ira-may-be-better-than-your-401k" target="_blank">invest through a Roth IRA</a>. Here are a few reasons why your kid needs one.</p> <h2>1. They'll Learn About Investing &mdash; And More</h2> <p>Investing is arguably the most complicated and intimidating aspect of money management, so the earlier you get your kids acclimated to the process, the better.</p> <p>You could open a plain old investment account for them, but investing through a Roth IRA provides powerful additional benefits by teaching them about (and saving them) taxes.</p> <h2>2. They Start Saving for Big Purchases &mdash; Like College or a House</h2> <p>A Roth IRA is a flexible, tax-efficient way to invest. Contributions can be withdrawn at any time without taxes or penalties. Earnings can be withdrawn on the same basis as well if the account has been open for at least five years and the money is used for qualified college expenses or a first-time home purchase (up to $10,000).</p> <p>Of course, the Roth really shines as a retirement savings vehicle. All of the money &mdash; contributions and earnings &mdash; can be withdrawn tax- and penalty-free after age 59&frac12;, and the benefit of those tax-free earnings really adds up over time. So, if your child has another way to pay for college and a house, all the better to keep adding to the account and let it build for later life. But it's nice to have the flexibility to pull money out earlier if needed for college or a house.</p> <h2>3. They'll Still Be Eligible for Financial Aid</h2> <p>Money held in an IRA, whether owned by a parent or a child, does <em>not</em> impact the financial aid calculation, at least not <em>initially. </em>By contrast, 20% of the money a student holds in a taxable investment account will reduce the financial aid they're eligible for.</p> <p>However, if money is withdrawn from an IRA to pay for college, that money <em>will </em>reduce financial aid. It's treated as income, 50% of which is considered to be available to pay for school. One workaround is to use such money only to pay for the last year of school since no aid will be required the following year.</p> <h2>How to Set Up an IRA for a Minor</h2> <p>Setting up a Roth for a kid is as straightforward as setting one up for yourself, but there are a couple of wrinkles to be aware of.</p> <h3>Qualifying for an Account</h3> <p>A child has to have earned income in order to qualify for an IRA, which can come from a job or their own self-employment efforts, such as babysitting, mowing lawns, shoveling snow, pet walking, and more.</p> <p>As long as the child meets the income qualification, they don't have to contribute their own money; parents or others could make IRA contributions on their behalf. Either way, annual deposits to the account cannot exceed the amount of income earned by the child, and is currently capped at $5,500 per year.</p> <h3>Opening an Account</h3> <p>The account must be set up as a custodial account since you need to be the &quot;age of majority&quot; (18&ndash;21, depending on your state) to have such an account in your own name. Any adult can open a custodial account on behalf of a minor &mdash; a parent, grandparent, other relative, or just a friend of the child. The assets transfer to the young person when he or she reaches the age of majority.</p> <p>Many brokers, including Fidelity, TD Ameritrade, and Schwab, offer custodial IRA accounts with no or very low minimum opening balance requirements.</p> <h3>Funding an Account</h3> <p>As for specific investments to consider after opening an account, mutual funds may not be the best choice since they often require $1,000 or higher minimum investment amounts. You might consider exchange-traded funds (ETFs) instead. They can be purchased one share at a time, offer great diversification, and many brokers, including the ones mentioned above, offer plenty of commission-free ETFs.</p> <p>Opening a Roth IRA for your child is one of the best financial moves you could make. Just be sure to involve them in the process of choosing investments and understanding the tax benefits. That combination of education and hands-on experience will set them on a path toward becoming a knowledgeable, confident, successful investor.</p> <p><em>Have you opened an IRA for a child?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/matt-bell">Matt Bell</a> of <a href="http://www.wisebread.com/does-your-kid-need-an-ira">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-set-up-an-ira-to-build-wealth">How to Set Up an IRA to Build Wealth</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-the-sandwich-generation-can-get-ahead">6 Ways the Sandwich Generation Can Get Ahead</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-tax-mistakes-new-parents-make">4 Tax Mistakes New Parents Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-unexpected-ways-stay-at-home-parents-save-big">7 Unexpected Ways Stay-at-Home Parents Save Big</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Investment dependents kids retirement accounts Roth IRA saving money taxes Fri, 22 Apr 2016 10:30:06 +0000 Matt Bell 1693266 at http://www.wisebread.com