September 19, 2019
So many families live paycheck to paycheck, which may be a necessity. They may only be able to afford the bare necessities, but other families live that way because they don't know how to budget or save. In this post I'm going to go over the importance of having a saving, but also in looking for the best deal when you really want to make a purchase or splurge.
When I was single I always had a savings for this and a savings for that, but I didn't really think long term because my expenses were limited. I didn't have a car payment b/c my car was old. I'm talking cassette player old. I never minded because while my friends were complaining about car payments, I was enjoying my old clunker and not worrying about payment deadlines. I had a cell phone bill, car insurance, minimal rent to my mom [yes, I lived at home], and clothing/food expenses. It wasn't until I was married, a home owner and a parent that financial planning became more important, and looking for deals became a hobby of mine, and one I enjoyed quite a lot.
Now that we own a home there are repairs that need to be done, fairly frequently. On top of that there's the mortgage and home owner's insurance. My husband and I found that the only way we could have peace of mind was to save up an emergency fund and look for savings and deals when we could, and one of those bid deal days is Black Friday!
We took a particular course on financial peace, and the FIRST step in this program was an emergency fund. Most financial planners will suggest you have AT LEAST 3 months worth of expenses saved up, but they encourage you to have more. Having an emergency fund gives you a sense of security and peace. Instead of thinking the world is coming to an end when you need a roof that costs X dollars, you can respond with "thankfully I have enough to cover it in my emergency fund, so I can still put food on the table this month." It gives you a completely different attitude when "emergencies" happen, and they will happen.
In my opinion emergency funds should be for just that: emergencies, but it's also good to have money saved up for foreseeable expenses like holiday shopping or birthdays or back to school shopping. The holidays are always a whirl for me, so it's easy to get caught up in the hustle and bustle of the holiday season and lose sight of the goals we've set. So when planning ahead for holiday shopping be sure to scope out the black friday deals. If there's a big ticket item you have your eye on; don't break the bank, but wait for a great deal. Oftentimes these great deals come on Black Friday or just prior to the holidays. So plan ahead, visit this site for black friday previews, and plan out your black friday shopping!
September 17, 2019
As she tries to make her tiny new apartment feel like home for her and her eight-year-old daughter, Emily, Krista begins to wonder if this move was a mistake. She doesn't always feel welcomed in the close-knit town, and Emily continually wonders, "Where's the snow?" Can a friendly stranger and his family help restore Krista's Christmas spirit before the big day?
Bestselling author Melody Carlson invites you to spend this holiday season in a town you'll never forget--and never want to leave.
My thoughts: I've been a big fan of Melody Carlson for awhile, and always looking forward to her Christmas novels. It seems that she writes one at least every year, and they always get me in the Christmas spirit. Yes, they can be a tad predictable, but I enjoy them none the less. This one in particular reminded me that not everyone had pleasant Christmas memories. As foster parents we know that most of the kids who come through our home come from trauma. I even know of some foster families who don't celebrate holidays because it's just too hard for the children. These are holidays in which these kids are NOT with their first families and that can be rough. This book reminded me that even Christmas can be a tough time for people, especially kids coming from foster care.
September 08, 2019
With Halloween being the next big holiday in our house I thought I would look up some halloween socks and these are what I found. They look just like candy corn, which is so yummy! Even if you don't enjoy candy corn to consume, they make great candles. Fill a clear votive with candy corn, add a tea light candle and you have an easy themed candle for any party or event. What's your favorite way to accessorize for the holiday?
This is a sponsored blog post.
August 20, 2019
Before we had kids my husband and I wouldn't thick twice of booking a weekend getaway a few states away, or take a day trip to NYC, Baltimore or DC. We would often book last minute and take a bus service to the city so we could walk the towns without the hassle of finding parking, dealing with traffic etc. This was before GPS was huge, so relied heavily on paper instructions and maps, and traffic configurations and traffic was so frustrating. We just wanted to avoid it all, so this is why we took a bus service. Well recently a NEW bus service called FlixBus reached out to me and I wanted to share.
Flixbus is relatively new to North America, but it has become the largest bus provider in the world in terms of network reach, connecting people across 29 countries with over 350,000 daily connections in Europe and the United States. In the US alone, FlixBus connects more than 80 destinations.
When my husband and I were in Europe we relied solely on trains and bus services to get from place to place. I am so glad that more services are popping up to make travel easier and more convenient. Back when we traveled we had to reserve online and get physical tickets, but now many offer e-tickets, like FlixBus. FlixBus has been pioneering e-tickets in Europe while competitors, legacy brands in the space, are still holding on to paper ticket transactions.
We traveled before Alexa and Google Assistant were widely known services, but since then so many businesses are working in conjunction with these services, just like FlixBus. Riders can now research routes, check bus information and get answers to their travel questions with Amazon Alexa and Google Assistant. As of 2018, riders can even purchase tickets with Google Assistant via voice control. FlixBus is the only long-distance bus provider that allows purchases through Google Assistant.
And if you are located outside of the USA, don't worry, you can still use this service in our countries, because they take other currencies beside the US dollar. FlixBus’ Google Assistant feature supports ticket purchases in four currencies: U.S. Dollar (USD), Euro (EUR), Polish Zloty (PLN) and British Pound Sterling (GBP). FlixBus’ Google Assistant is also fluent in four languages: English, German, Polish and French).
So if you're looking for a bus service, check FlixBus to see if they have a route that works for you!
Find out more here: http://www.flixbus.com/
- Use the official app for HAMILTON, now available for all iOS and Android devices in the Apple App Store and the Google Play Store (http://hamiltonmusical.com/
- You can also visit http://hamiltonmusical.com/
lottery to register.
- The lottery will open at 11:00 AM ET two days prior to the performance date and will close for entry at 9:00 AM ET the day prior to the performance.
- Winner and non-winner notifications will be sent at approximately 11:00 AM ET the day prior to the performance via email and SMS (if mobile number is provided).
- No purchase or payment necessary to enter or participate.
- Each winning entrant may purchase up to two (2) tickets.
- Only one entry per person. Repeat entries and disposable email addresses will be discarded.
- Tickets must be purchased online with a credit card by 4:00 PM ET the day prior to the performance using the purchase link and code in a customized notification email. Tickets not claimed by 4:00 PM ET the day prior to the performance are forfeited.
- Lottery tickets may be picked up at the Forrest Theatre box office beginning 1 ½ hours prior to the performance with a valid photo ID. Lottery tickets void if resold.
August 09, 2019
August 05, 2019
August 03, 2019
I personally really enjoy customizing jewelry and accesories to your interests, birthday and preferences. Birth stone jewelry caters to a person's interests and birthday, so why not check out get name necklace? I love sapphire and blue jewelry because I was born in September and that's my birthstone. I also have blue eyes so I just love anything that brings out the blue in them....sapphires are blue! So catering to your interests and your name are a nice touch and make you feel like these were made just for you (which they were). Also it doubles as a nametag when you go to new social scene ;-).
So if you are in the market for a new necklace check out the links and see if they have a
necklace for you.
This post was sponsored by get name necklace.
July 25, 2019
June 29, 2019
Crayola's Take Note! features 2-in-1 Dual Ended and Erasable Highlighters, Washable Felt Tip and Gel Pens, Permanent Markers and Dry Erase Markers. With Crayola Take Note!, capture your thoughts, notes and important things to remember in bold and vibrant colors!
My kids received their box full of Take Note! products right after we went to see Toy Story 4, so they were inspired to try out the permanent markers to create their own "forky" which is a creature made out of a plastic spork.
They had a blast!!!
June 13, 2019
May 13, 2019
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