Many of today’s economic problems could have been avoided if businesses, governments, and consumers had been more cautious financially. While it’s too late to reverse many of the economic difficulties that the worldwide recession caused, many now realize the value of personal finance education. Teachers, students, and parents have all taken steps to encourage financial education online and in the classroom, in the hopes of strengthening the next generation, and the current public’s financial responsibility. Thanks to online games, courses, and resources, students of all ages can begin to improve their understanding of personal finance. Games & Courses
Saving money is one thing; being frugal is something totally different. Saving money is about cutting back on spending to have extra money in your pocket or to spend for other necessities. Being frugal is about saving money 24/7. You must never overspend or splurge on any item, and you can’t ever make an exception no matter what. This is a permanent lifestyle change. Anyone can become frugal and here are five helpful ways to do it. Stop purchasing necessities. Buying things you don’t need is a waste of money. Look at things you already own. See if those things can remain in your possession a little longer. The old car doesn’t need to be upgraded just to match the year we’re in. That book can be checked out at the library instead of purchasing it; you’re only going to read it one time.
Car ownership is structured around gradual expense: whether you buy first-hand or second-hand, you put down your money and then pay annually to keep it full of petrol, insured and roadworthy. Nonetheless, people are attached to owning a car. Sure, the experience can be undermined by failing an MOT, running out of petrol, being unable to get insurance and the simple fact that accidents may put your car of the road permanently. But that doesn’t mean that the stability and the right to resell that you get when owning you own vehicle aren’t very valid reasons for why ownership remains the norm.
Shopping for eyeglasses for less can be a challenge sometimes. One of the major aspects of our lives that make this process easier is our access to the internet. Of course, you can spend hours online searching for affordable prescription glasses but why spend all of that time when you can just go to Glasses.com. At Glasses.com, you can choose from the wide variety of eyeglasses, sunglasses, Rx sunglasses, and computer and 3D glasses. This website offers high quality eyewear from popular brands such as Oakley, Guess and Eddie Bauer at a fraction of the cost. Why not get quality eye wear for a discount price? When you are shopping for the latest fashion trends in terms of eyewear, anyone’s mind will immediately go to money. Everyone has a budget but sometimes high quality eyewear is not part of it. Fortunately, this does not have to be the case because of sites […]
By the time a child is old enough to receive an allowance, he is old enough to start learning how to be financially responsible. An allowance could be the perfect tool to teach children that money is earned, rather than given to them, and it should be managed with care. Holding children accountable for money helps them appreciate the value of dollars and the power they can have as a result of managing it well. Each time an allowance is rewarded, parents should have a conversation with their children about how the “income” they are earning will be spent. At least half of the allowance should be set aside for a “savings.” This could be a physical place where money is stashed or a real bank account that parents have set up for them. Children who start the practice of paying themselves first at an early age will continue this […]
Summer has arrived (believe it or not…). The days are longer and (slightly) warmer, which means that there’s more time for days out, holidays and other fun stuff. This can come at a price, however, which means that many people will be worried about their money this summer. Here are 15 frugal tips to help you have fun on a budget! 1. Make a budget
Having a healthy breakfast is a great way to begin your day. Rather than having a high fat meal of bacon and eggs, prepare a smoothie. A smoothie is a blend of fruit that is pureed into a smooth texture. Smoothies are a great beverage for breakfast. In addition to fruit, they have other ingredients that add to their flavor. This great food item is available on the menu of many restaurants. It is served at fast food restaurants, high-scale restaurants, snack shops and other food establishments. Purchased smoothie drinks are delicious. However, they can be expensive to buy everyday. In addition, it is difficult to know the ingredients in purchased smoothie beverages. Preparing a homemade breakfast smoothie is easy, healthy and economical. A small electric blender is the best way to make a smoothie drink. Food blenders are available in many brick-and-mortar stores or online. These small appliances are […]
Like most people, I have been looking forward to my retirement for many years. However, even after years of planning, I felt like I still wanted to enhance my financial portfolio so that I could have the income that I needed to live comfortably and without worry. This is why I decided to get a reverse mortgage. If you’ve never heard of a reverse mortgage before, you may be wondering what it is. Put simply, a reverse mortgage is exactly what it sounds like: instead of making monthly payments on the value of your home, you will receive a check from a lender. The money is drawn from the equity of your home, and you can receive it for as long as you live in there.
Money Saving Mom is one of the largest personal finance blogs on the Internet. Owner Crystal Paine started the blog to share grocery store and drugstore deals with a smaller number of readers. The blog has experienced tremendous growth, and tens of thousands of readers now flock to Money Saving Mom each day. If you search the Internet today, you will find thousands of blogs about frugal living, saving money and using coupons. However, Money Saving Mom’s popularity stemmed from the fact that it was one of the first blogs of this type. Blogger Crystal Paine writes about personal finance with a personal, simple touch. This makes her accessible to her target audience–moms who may or may not have any formal training in financial topics.
Summer is almost here, and that means it’s time for me to be shopping for deals on life jackets, towable tubes, water-skis, and my new sport, paddle boarding. In the past, I had a lot of trouble finding websites where I could find water sports and boating equipment at reasonable prices. The fact is there was reluctance for many merchants to go online until recently. Part of the fun of buying water sports equipment is going to the stores with your family and seeing what’s new. As we all know, everything that is sold in stores is going to be sold online, whether new or secondhand. Having bought less than perfect merchandise online, I learned a lot about how to buy it new, but at cheaper prices. If you frequently shop online you can find some incredible deals from coupons.answers.com.
The following is a guest post from Melissa Cameron. Of all the monthly bills in our household, food is the one that has the ability to really break the budget. It’s a constant, it’s a necessity and it can be very expensive. As a mother of two that often also has my parents who live next door over for meals, saving on food is important. I’ve learned to be very frugal over the years, while still keeping a full pantry and fridge. It isn’t always easy, but there are some tips I’ve gathered over time to ease the pain of the checkout counter.
Save by asking for discounts!
Ways to stretch your grocery dollar while enjoying Italian flavor
The following is a guest post by Melissa Cameron. Lately, it seems as if our household has mounting expenses. One thing that has taxed our budget is the fact that my eldest daughter, Rose, is starting to drive. Now my younger child, Matt, is asking that he be allowed to take piano lessons. I’m certainly open to the idea, but I wonder if Matt is interested in the piano as the result of his sister’s learning to drive. Is Matt feeling some envy towards his sister? This can certainly be the case. Over the years, he’s shown very little interest in music. Could this urge to tickle the ivories simply be a way to compete for attention? I want to give my younger kid the chance to play the piano, but I want to do so economically. I’d rather not spend a lot of money until I’m sure that he […]
The following is a guest post by Melissa Cameron. Spring time brings warm weather and with it the urge to get outdoors and explore. Winter has its place: there’s skiing, sledding, snowball fights, but spring and summer means hiking, fishing, boating and camping for our family. If you are looking for an inexpensive activity that has big impact with your family – go on a fishing trip together! Cabin fever reaches the breaking point just about the time the robins start arriving in the yard. That means it’s time to start putting away the winter gear and breaking out the warm-weather goodies. Gather up the kids, pack the mini-van and head for the lake.
The following is a guest post by Melissa Cameron. I have certainly been worried about my teen daughter, Rose, learning to drive. As I mentioned in an earlier post, the statistics and facts related to teenagers behind the wheel are frightening. When I decided to do some research regarding auto insurance quotes I came across some important information concerning the costs and safety of teen drivers in their first year. My daughter, who is about to turn 16 years old, is mature for her age but she can also be impetuous, and she is inexperienced.
When I first discovered I was the new owner of a flock of chickens I nearly froze in my tracks. After all I was a city girl born and raised who knew absolutely nothing about chickens.
The following is a guest post by Melissa Cameron. When my daughter, Rose, was first born I had envisioned her first steps, the first time she would be able to ride her bike without any help and her first time driving. I could not imagine any of them entirely and as each occurred, as she took her initial steps and found her balance while riding her bike, the thrills were palpable. With two down and one more to go, I found my fear mounting, especially as my daughter neared and then reached her sixteenth birthday. My daughter has many admirable qualities. She’s certainly smart and quite mature for her age. But with those attributes comes a streak of over confidence and a bit of stubbornness. She has always been venturesome and independent, and Rose has been looking forward to getting her driver’s license for quite some time.
10 ideas to keep Easter really green! | Cheap Like Me
Today, April 12, is Beverly Cleary’s birthday. She’s 95! Happy birthday, Ms. Cleary.