Friday, July 3, 2015

7 Things You Can Cut From Your Budget Right Away


Have you ever sat down to work on your family budget only to realize you don't have enough money to pay for everything your family needs?

That is by far one of the worst feeling I've ever had. Looking at a pile of bills and empty cupboards is scary and heartbreaking for anyone. Fortunately there is hope for people willing to take the plunge and cut out unnecessary items from their families monthly budget.

Here are 7 things you can cut out of your budget immediately to save money this month:

Eating Out (of any kind)

No snacks out of the vending machine, no morning latte, no quick bite off the dollar menu... nothing, nada.

Vacations

You should be cutting out major vacations, but also smaller ones. Even the weekend trip to your family's cottage will cost extra money than staying home. Make this month the month of stay-cations. Camp in your backyard or living room instead of your favorite state park, experience a new place via the TV or Internet instead of going there, discover the hidden wonders of your hometown, but whatever you do, don't spend money to take your family away for vacation when you're in the middle of a financial crisis.



Shopping beyond Necessities

No, you really don't need a new cami to go with your blouse, or dog treats for your pooch. This month we're cutting spending anywhere we can. You'll be amazed at how much money you buy on "little things" that you just "had to buy." 

Name Brand food or stores

So you love Whole Foods, I hear you, but now it's your turn to hear me. You don't have the extra money to shop there, so don't even bother going. This month it's back to basics. You're buying off brand, in bulk, generic food from a generic grocery store. Just cutting corners like your brand of macaroni and cheese instead of Kraft can actually save you tens or even hundreds of dollars a month, depending on how many people you feed. (Yes, seriously, check out my post about it.)

Unlimited Driving / Sunday Drives

I love me a Sunday Drive, let me tell you what. But when things are tight and every single penny counts, you want to drive your vehicles as little as possible. That might even mean riding the bike down to the local corner store, instead of picking up the car. Plan your trips together, rather than making multiple trips throughout the week - get all of your errands done while you're already out and away from the house. Make it your goal for your car not to move from a spot in the driveway for as many days as possible. You might have to get creative, like a carpool or walking, but let's face it, none of those things will kill you but they will save you money.

Entertainment

100 years ago, your ancestors were entertained by far less than what we have at our disposal today. Turn off the TV, turn off the gadgets, turn off the extra lights all around your house... and go outside! It's FREE! Go for a walk, take a hike, ride your bike, talk to your loved ones, sketch the great outdoors, you name it... It's free and won't waste money from your monthly budget.

Gym Memberships

Looking to get your fitness on? No problem... get outside. Play with your kids, go for a run, ride your bike - there are endless options for free exercise. You don't need expensive gym membership or equipment in order to stay fit when your budget is tight.

Looking for more ideas? You might like our posts on...

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Disclaimer: This post may contain affiliate marketing links that compensate me for sales.

Wednesday, July 1, 2015

Era Organics Hair & Skin Bundle Pack Giveaway


Would you like to improve your hair & skin? Are you suffering from acne, dermatitis, eczema, Psoriasis, rosacea or damaged skin? Is your hair feeling limp and lifeless? If you answered yes to any of these questions than this giveaway is for you!



Era Organics offers an all natural approach to your beauty routine that not only helps you look & feel great, but also acts as a super food for your body. Tiffany from Wife.Mother.Teacher. is absolutely in love with their products and can't say enough good things about them - check out one of her previous reviews here.

This summer, Era Organics has introduced their brand new shampoo & conditioner to compliment the skin products we're already in love with - stay tuned this August when Wife.Mother.Teacher. will be reviewing those great products as well. With argan oil, aloe vera & manuka honey and a scalp balancing pH of 5.5 the paraben, sulfate, and fragrance free formula is sure to please everyone! :) But until then, we have a fantastic giveaway for one reader...

One US reader, aged 18 and over will receive the ULTIMATE Era Organics Bundle - one each of their brand new Shampoo & Conditioner, along with their Cleanser & Moisturizer - a $120 retail value! To enter just fill out the Rafflecopter Form below. 

Good luck!

Sunday, June 28, 2015

This Week's Goals: 6/29 - 7/5



Taking the time to write out your weekly goals is a great way to stay motivated towards completing them - looking for other reasons to set goals? Check out our post 4 Reasons You Should Write Weekly Goals. Goal setting can seem a bit scary at first, but we have you covered - How To Create Weekly Goals. Do you struggle with ACTUALLY accomplishing your goals? We can help you with that too!

Without further delay... here's my goals for last week & this week. I'd love to help you stay motivated, so join me by posting your to do list for the week in the comments below. :)

Last Week's Goals:


Classroom Goals
  • Go in to school to feed the fish every few days
  • Finalize after school program records & finances for the year
Household/Family/Mommy Goals
  • Continue our Total Money Makeover by following our June budget & begin looking at July's
  • Help my dad with yard work at his house
  • Schedule next project work date with my dad
  • Tend to my vegetables in the vegetable garden
  • Clean our house
  • Price out flowers to complete our landscaping in the backyard seating area
  • Put together my son's sand box
  • Spray down & clean patio seating area
  • Spray spider repellent around house
  • Finish weeding fire pit
  • Get a new burn permit for our fire pit
  • Install a doggy door in our garage
  • Start preparing for our trip to Germany this July
Marriage Goals
  • Make a point to spend at least 1 solid minute cuddling with hubs each evening when he gets home
  • Write a love note to hubs <3
  • Publicly praise my husband (A great tip I picked up here!)
  • Possible date night with hubs and friends to see a neighborhood movie viewing party
Personal Goals
  • Exercise at least twice this week
  • Journal at least once this week 
  • Listen to the Flipped Lifestyle Podcast while running, driving, cleaning, etc.
  • Continue watching Heartland (affiliate link - thank you!) I'm on season 4 (almost done) right now - it's SO good!
Blogging Goals
  • Post 2 planned posts this week
  • Write 6+ blog posts for new site
  • Start typing up our July Giveaway
  • Schedule social media posts throughout week
  • Continue to work with mastermind group on improving my skills at blogging
  • Finish updating post tags to match our new navigation bar buttons


This Week's Goals: 

Classroom Goals
  • Go in to school to feed the fish every few days
  • Finalize after school program records & finances for the year
Household/Family/Mommy Goals
  • Continue our Total Money Makeover by following our June budget & create July's
  • Tend to my vegetables in the vegetable garden
  • Clean our house
  • Spray spider repellent around house
  • Finish weeding fire pit
  • Get a new burn permit for our fire pit
  • Install a doggy door in our garage
  • Pack for our family vacation to Germany
  • Type up directions for people dog sitting while we're on vacation
  • Clean carpets (again.... darn dog smell....)
Marriage Goals
  • Make a point to spend at least 1 solid minute cuddling with hubs each evening when he gets home
  • Write a love note to hubs <3
  • Publicly praise my husband (A great tip I picked up here!)
Personal Goals
  • Exercise at least twice this week
  • Journal at least once this week 
  • Listen to the Flipped Lifestyle Podcast while running, driving, cleaning, etc.
  • Continue watching Heartland (affiliate link - thank you!) I'm on season 5 right now - it's SO good!
  • Even out my tan lines before my friend's wedding (nobody likes weird tan lines on a bride's maid, lol)
Blogging Goals
  • Post 2 planned posts this week
  • Start scheduling posts for while I'm away on vacation
  • Start typing up our July Giveaway
  • Continue to work with mastermind group on improving my skills at blogging
  • Finish updating post tags to match our new navigation bar buttons

Wish me luck! What's on your schedule this week?

Thank you for being a part of the Wife.Mother.Teacher. tribe. 
While you're here - have you subscribed to our email mailing list yet, 
or followed us on social media? Just click the buttons below!
Thank you!


Disclaimer: This post may contain affiliate marketing links that compensate me for sales.

Saturday, June 27, 2015

How a Family Bulletin Board Helps Me Organize My Family

Last week I shared my Monthly Cash Flow Planning budget process on YouTube and here as a blog post. Today I'm doing the same thing but with a new topic - I look forward to hearing what you think about the combination of video and blog. :)


Part One:

Today we are going to be talking about how I organize my life and make sure that I know what’s going on with my family and when. So we’re going to be talking about this thing in front of you. This is my organizational bulletin board in my kitchen. And unfortunately, I have taken off quite a few things that were like personal items, like I post in the brown area, like phone numbers of the babysitter and some family members and things like that. I just didn’t want to have that on Youtube. So forgive me. Normally there would be a little bit more on here.

So the first thing that you can see is that down at the bottom, I hang things. This is usually coupons, gift cards, receipts that I need for purchases. These are things that are going to be here for a short period of time. Those are always hanging off the bottom. But then I also have a calendar to keep track of the days. I don’t really put very much on it, as you can see. I just kind of have it there so we can keep track and take a look at the dates.

The next thing that I have that is next to it - these are both from the blog and I will put a link below to both of them. They are both free printables. On the left, this is the five-minute meal plan for the modern working mom. And I started to fill it out but then I realized, hey, I should probably film this. So, in a minute, part two is going to be with all of this filled out.

Then, next to that, I have my home management list. These are all the things that I like to get done in our house each week. So this is this week’s. You can see that I started to mark off a few items. But what you might not notice is how this is all shiny. That is because I have a piece of transparent plastic. Like old school - when we were in school - when teachers used it in the overhead projector. It’s just a thin piece of that plastic. So I use a dry erase marker - just a generic dry erase marker. I’ll link that down below. That way, I don’t have to reprint these out every week, which helps save money. So you’ll notice what’s kind of interesting is because I do like to be frugal, I now do my grocery shopping for Friday-Thursday on my meal plan. So you can see that I hand wrote that in over here. That was just me being cheap instead of printing a new form because I do have these on my website for starting any day of the week. So I just filled them in over here with marker. So forgive me, I realize that looks a little crazy.

Then the other thing that I use is actually from Money Saving Mom (link below) - it’s a free cleaning list. It’s a little checklist where you fill out each month when you’ve done different things. I love that. I think it’s fantastic, so I will link that below. But now I’m going to go ahead and finish filling out the meal plan and then I will show you the finished product.

Part Two:


So I finished filling out my meal plan, as you can see. That way throughout the week I can keep track of what day it is, what we’re having to eat, different home management jobs and chores that I need to get done if I have some extra time. This is just kind of our go-to central point. My husband and I both know that if there’s something important, we can put it here. Then life will be nice and organized. So I hope this helps. I hope it was inspirational for you. Remember to check below. You can get all of the links to all of these printables that are free. And I hope that you have a wonderful day! Thanks for watching!


Thank you for being a part of the Wife.Mother.Teacher. tribe. 
While you're here - have you subscribed to our email mailing list yet, 
or followed us on social media? Just click the buttons below!
Thank you!


Disclaimer: This post may contain affiliate marketing links that compensate me for sales.

Sunday, June 21, 2015

This Week's Goals: 6/22-28/15


Taking the time to write out your weekly goals is a great way to stay motivated towards completing them - looking for other reasons to set goals? Check out our post 4 Reasons You Should Write Weekly Goals. Goal setting can seem a bit scary at first, but we have you covered - How To Create Weekly Goals. Do you struggle with ACTUALLY accomplishing your goals? We can help you with that too!

Without further delay... here's my goals for last week & this week. I'd love to help you stay motivated, so join me by posting your to do list for the week in the comments below. :)

Last Week's Goals:


Classroom Goals
  • Go in to school to feed the fish every few days
  • Finalize after school program records & finances for the year
Household/Family/Mommy Goals
  • Continue our Total Money Makeover by following our June budget & begin looking at July's
  • Help my dad with yard work at his house
  • Schedule next project work date with my dad
  • Tend to my vegetables in the vegetable garden
  • Clean our house
  • Organize my closet
  • Organize my son's toys and try to get rid of a few
  • Weed my flower beds
  • Weed our patio seating area
  • Set up my son's new play set (this is the time that summer play equipment starts going on clearance, FYI)
  • Install a doggy door in our garage
  • Start preparing for our trip to Germany this July
Marriage Goals
  • Make a point to spend at least 1 solid minute cuddling with hubs each evening when he gets home
  • Write a love note to hubs <3
  • Publicly praise my husband (A great tip I picked up here!)
  • Enjoy a game night with our neighbors - Cards Against Humanity (affiliate link - thank you!) is a hilarious and terrible version of Apples to Apples (Warning: The game may be offensive to some people.)
Personal Goals
  • Exercise at least twice this week
  • Journal at least once this week 
  • Listen to the Flipped Lifestyle Podcast while running, driving, cleaning, etc.
  • Continue watching Heartland (affiliate link - thank you!) I'm on season 4 right now - it's SO good!
Blogging Goals
  • Post 2 planned posts this week
  • Write 6+ blog posts for new site
  • Set up upcoming giveaways with participating bloggers
  • Schedule social media posts throughout week
  • Continue to work with mastermind group on improving my skills at blogging
  • Finish updating post tags to match our new navigation bar buttons


This Week's Goals: 

Classroom Goals
  • Go in to school to feed the fish every few days
  • Finalize after school program records & finances for the year
Household/Family/Mommy Goals
  • Continue our Total Money Makeover by following our June budget & begin looking at July's
  • Help my dad with yard work at his house
  • Schedule next project work date with my dad
  • Tend to my vegetables in the vegetable garden
  • Clean our house
  • Price out flowers to complete our landscaping in the backyard seating area
  • Put together my son's sand box
  • Spray down & clean patio seating area
  • Spray spider repellent around house
  • Finish weeding fire pit
  • Get a new burn permit for our fire pit
  • Install a doggy door in our garage
  • Start preparing for our trip to Germany this July
Marriage Goals
  • Make a point to spend at least 1 solid minute cuddling with hubs each evening when he gets home
  • Write a love note to hubs <3
  • Publicly praise my husband (A great tip I picked up here!)
  • Possible date night with hubs and friends to see a neighborhood movie viewing party
Personal Goals
  • Exercise at least twice this week
  • Journal at least once this week 
  • Listen to the Flipped Lifestyle Podcast while running, driving, cleaning, etc.
  • Continue watching Heartland (affiliate link - thank you!) I'm on season 4 (almost done) right now - it's SO good!
Blogging Goals
  • Post 2 planned posts this week
  • Write 6+ blog posts for new site
  • Start typing up our July Giveaway
  • Schedule social media posts throughout week
  • Continue to work with mastermind group on improving my skills at blogging
  • Finish updating post tags to match our new navigation bar buttons

Wish me luck! What's on your schedule this week?

Thank you for being a part of the Wife.Mother.Teacher. tribe. 
While you're here - have you subscribed to our email mailing list yet, 
or followed us on social media? Just click the buttons below!
Thank you!


Disclaimer: This post may contain affiliate marketing links that compensate me for sales.