Sunday, March 29, 2015

This Week's Goals: 3/30 - 4/5/15



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
  • Continue lesson planning
  • Wrap up after school program financial documents
  • Complete our April after school program brochure
  • Create announcements & staff documents for April after school program
  • Update March financial documents for after school program
  • Review RTP behavior procedures, I need to improve my consistency in using the process
Household/Family/Mommy Goals
  • Continue our Total Money Makeover by following our March budget
  • Take little man to the local community education gymnastics class
  • Look at paint color swatches I brought home from Lowe's for a future bathroom project
  • Update our March budget
  • Finish building bookshelf in basement
  • Buy a present for our niece's birthday party next weekend
  • Update home & work calendars for Spring
  • Update our home management center in our kitchen for Spring
  • Contact lawn guy about Spring Service
  • Call Sprint & Verizon to get account quotes (we're looking at switching or demanding a cheaper rate, fingers crossed for success!)
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
  • Schedule our next date night (OK, it's getting old that this hasn't happened yet!)
  • 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 
  • Continue listening to Pat Flynn's Smart Passive Income podcast while running, driving or doing housework
  • Finish reading Whatever the Cost for upcoming review blog post
Blogging Goals
  • Create list of action steps for next major blog project
  • Plan Ultimate Bundles flash sale for end of month
  • Find bloggers to support April Mask giveaway
  • Get ahead on blog posts through the first week of April to make time for upcoming blog project over Spring Break :) 
  • Print large April calendar for mapping out action steps on project
  • Giveaway winner confirmations
  • Post 3 planned posts this week
  • 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
  • Finish lesson plans for the week & start of after Spring Break
  • Wrap up after school program financial documents
  • Update March financial documents for after school program
  • Review RTP behavior procedures, I need to improve my consistency in using the process
  • Start finalizing grades for term 3 (due by April 15th)
Household/Family/Mommy Goals
  • Continue our Total Money Makeover by following our March budget
  • Take little man to the local community education gymnastics class
  • Look at paint color swatches I brought home from Lowe's for a future bathroom project
  • Update our March budget & create our April budget
  • Finish building bookshelf in basement
  • Call Sprint & Verizon to get account quotes (we're looking at switching or demanding a cheaper rate, fingers crossed for success!)
  • Finalize 2014 Taxes - Yuck! :(
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
  • Finalize our date night plans for April (Yahoo!)
  • 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 
  • Start listening to the Flipped Lifestyle Podcast while running, driving, etc.
  • Finish reading Whatever the Cost for upcoming review blog post
Blogging Goals
  • Fill out Spring Break Blog Schedule (A big project is underway!)
  • Plan Ultimate Bundles Sale
  • Finalize April Giveaways (Stay tuned!)
  • Get ahead on blog posts through the first week of April to make time for upcoming blog project over Spring Break :) 
  • Giveaway winner confirmations
  • Post 3 planned posts this week
  • 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.


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.

Friday, March 27, 2015

My One Regret...


If you could tell your 18 year-old self just one thing, what would it be?

If it were me, I wouldn't waste my time on advice about boys, friends or college "rights of passage" - instead I would tell my 18 year old self to avoid massive student loan debt by paying cash as I was able and only borrowing the bare minimum when it was necessary. 

Although I've made plenty of mistakes in my life, and have a ton of moments I'd like to change - I really have only one true regret, and that's the astronomical amount of student loans I acquired throughout college.

I wish more than anything that I had truly understood the magnitude of the debt my college career was creating, and what kind of burden it would put on my future.

If I had a dollar for every time I've shared my regret with people since starting our Total Money Makeover (available on Amazon), it would have more than covered our beginner emergency fund (baby step 1).

I wish personal finance was a required class in junior highs and high schools across this country.  
I wish my parents had a book like Smart Money Smart Kids to use as a guide in raising me.  
I wish that college advisers were required to meet with students every year to go over their student loan situation.  
I wish I'd known better.
But I can't wish away the past - or my mistakes. All I can do is grow from them and continue to try and spread the message far and wide that student loans and credit cards are drowning us. But most importantly, I can teach my son that their is a better way and help him avoid my financial mistakes

What mistake from your life will you work to correct in your children? 

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.

Tuesday, March 24, 2015

4 Ways to Save $1,000 Fast


When my husband and I just started our Total Money Makeover (available on Amazon), we loved the fact that it had a simple to understand, 7 step process. But we were a bit terrified by the idea of saving $1,000 right off the get go. That was a lot of money and we didn't know where we were going to find it.

Amazingly, once we put our minds to it - saving $1,000 for our start up emergency fund wasn't that bad, so today I'd like to share with you some of the techniques that worked for us - plus a few extra I've heard from other Dave Ramsey followers along the way. I've even packed them all into four categories to stream line the process for you. 

Cut Spending

You'd be amazed by how quickly the average person can burn through $100 (or more). Just imagine how much money you could save in the next 30 days if you cut...
  • Eating out
  • On-the-go food & drinks, like coffee shops
  • Buying new clothes
  • Extra gas use, like Sunday drives
  • Expensive grocery items, like steak
  • Beauty services, like tanning or manicures
  • Your unused gym membership
  • Home services, like house cleaning or lawn maintenance
  • Extended internet, phone or TV packages

Sell Stuff

Have you ever looked around your home & tried to add up the cost of all the "stuff" that fills it? The answer can be astounding. Now just imagine how many Benjamins you could bring home by getting rid of some of that clutter! Here's my favorite ways to sell stuff, organize your home & earn money all at the same time...
  • Downsize your wardrobe by selling clothes and accessories on consignment
  • List items you don't need anymore on Craigslist (or another online selling site)
  • Have a garage sale
  • Offer items on Social Media to your friends & family (especially if you know someone has been eyeing your end tables for years!) 
  • Get rid of old kid stuff at a local mom to mom sale
  • Unused gift cards can be exchanged for cash (That $30 Gift Card to Kohl's you're never going to use would easily earn you $20-$25!)

Find Hidden Money

Yes, you read that right, it's time to search your home for hidden treasure. While it might not gain you much money it's a great task to tackle while organizing to find things to sell (see above). Wondering where to look? Here are a few of my faves...
  • Roll your loose change and piggy bank collections to deposit in your savings account
  • Seek out hidden money in some normal hot spots - the couch cushions, last winter's coat pockets & the laundry room. (Heck, I've even found money in old purses before)
  • Sell scrap metal building up in your garage or basement
  • If you live in a great state (like my Michigan), then take in your pop & beer bottles to cash out your refunds (seriously, I don't understand how the rest of you live - I'd love to see bottle deposits spread nation wide on all drink containers)

Work More

I've saved the most obvious idea for last. When you don't have enough money, working extra hours is always a good choice. Here's a few ideas to try...
  • Pick up overtime at work
  • Tutor Online (referral link)
  • Become a Website User Tester
  • Take on a part time job
  • Offer services for cash, like mowing lawns or babysitting
How much money do you think you'd save in 30 days by implementing this list? I'd love to hear from you in the comments below!


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, March 22, 2015

5 Ways Meal Planning Saves Us Money


Have you ever wondered what all the excitement about meal planning is about?!

Two short years ago I was the same way. I had often heard people say that meal planning saved their family money, but I just couldn't wrap my brain around how that worked. It wasn't until someone explained all the amazing benefits of meal planning that I really started to catch on.

Now it's my turn to share "the secret" with you!

How Meal Planning Saves Us Money


Our Meals are Planned Based on our Budget

We have $300 every month to spend on our groceries. Since we get paid on a bi-weekly schedule, that means we spend $150 every two weeks on groceries to feed our family of three. It's not rocket science, I take $150 and divide it by the 14 days that pay period includes - which means I get to spend $10.71 each day to feed my family. If we want to stay on budget, we have to plan what we purchase to fit that.

Saves Me Trips to the Store

Since I plan my meals and shopping list ahead of time, I avoid multiple trips to the store. Honestly, I usually only make one extra trip to the store and that's to pick up some fresh produce and milk for the second week, but otherwise I only shop once every two weeks. Not only do I save gas money, but I also save a lot of time - bonus!

We Always Have Snacks & On-The-Go Food Stocked Up

No more wasting money on quick convenience food while managing a chaotic schedule. We plan ahead by purchasing & packing snacks. You'd be amazed by how much money that has saved us.

We Always Get the Most Out of our Ingredients

Have you ever wasted half a container of sour cream because you just didn't have a purpose for it? Meal planning makes that a thing of the past because you can plan multiple meals in a week that use the same ingredients - that way you waste and purchase less.

"What's For Dinner?" Isn't Muttered In Our House Anymore

Wondering what's for dinner is a thing of the past. We always have our meals planned out so there is always food available in the house. (The only down side is that sometimes the meal planned for a particular evening just doesn't sound good that day, but the positive side is that we have other meals in the house as well, so we can easily substitute one night for another.)




How can meal planning save your family money? If you're new to meal planning we have a few great resources you might enjoy to get started...

Our How to Make a Food Budget and Stick To It mini series has been a huge hit with readers feeling lost by food budgeting and for those ready to dive in, check out our Meal Planning Printable Bundle Pack.

How else can we help you on your meal planning journey? I'd love to hear from you in the comments below. Will you use the social media buttons on the left to share this article with your friends? We really appreciate the support!

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.

This Week's Goals: 3/23-29/15



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
  • Continue lesson planning
  • Wrap up after school program financial documents (progress was made, but I'm still not done...)
  • Attend parent/teacher conferences
  • Review RTP behavior procedures, I need to improve my consistency in using the process
Household/Family/Mommy Goals
  • Continue our Total Money Makeover by following our March budget
  • Take little man to the local community education gymnastics class
  • Look at paint color swatches I brought home from Lowe's for a future bathroom project
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
  • Schedule our next date night (OK, it's getting old that this hasn't happened yet!)
  • Publicly praise my husband (A great tip I picked up here!) Can I just tell you how absolutely AMAZING it feels to do this?! You need to try it - no more rants to your girlfriends, just major compliments!
Personal Goals
  • Exercise at least twice this week
  • Journal at least once this week 
  • Continue listening to Pat Flynn's Smart Passive Income podcast while running, driving or doing housework
Blogging Goals
  • Post 3 planned posts this week
  • 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
  • Continue lesson planning
  • Wrap up after school program financial documents
  • Complete our April after school program brochure
  • Create announcements & staff documents for April after school program
  • Update March financial documents for after school program
  • Review RTP behavior procedures, I need to improve my consistency in using the process
Household/Family/Mommy Goals
  • Continue our Total Money Makeover by following our March budget
  • Take little man to the local community education gymnastics class
  • Look at paint color swatches I brought home from Lowe's for a future bathroom project
  • Update our March budget
  • Finish building bookshelf in basement
  • Buy a present for our niece's birthday party next weekend
  • Update home & work calendars for Spring
  • Update our home management center in our kitchen for Spring
  • Contact lawn guy about Spring Service
  • Call Sprint & Verizon to get account quotes (we're looking at switching or demanding a cheaper rate, fingers crossed for success!)
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
  • Schedule our next date night (OK, it's getting old that this hasn't happened yet!)
  • 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 
  • Continue listening to Pat Flynn's Smart Passive Income podcast while running, driving or doing housework
  • Finish reading Whatever the Cost for upcoming review blog post
Blogging Goals
  • Create list of action steps for next major blog project
  • Plan Ultimate Bundles flash sale for end of month
  • Find bloggers to support April Mask giveaway
  • Get ahead on blog posts through the first week of April to make time for upcoming blog project over Spring Break :) 
  • Print large April calendar for mapping out action steps on project
  • Giveaway winner confirmations
  • Post 3 planned posts this week
  • 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.
Related Posts Plugin for WordPress, Blogger...