Money Savvy Soccer Ball #MoneySavvySoccerBall

The Money Savvy Soccer Ball is the perfect way to teach your little one how to save money. First off I want to share with you, this piggy bank is a soccer ball!! How cool is that? The soccer ball is clear where the white would be on a regular soccer ball so you are able to see how much money you have saved up! I love the idea of a clear piggy bank because it makes my son feel like he has achieved something with saving his money. “Almost there mommy” is what he always tells me when one of the slots are almost full. The clear soccer ball has four slots separating the ball into four different sections. In each of the sections, there is a spot to put a sticker (which they provide).

 

Above the sticker spots, they have four words listed, INVEST, SAVE, SPEND, and DONATE. In the INVEST slot, my son decided to put a picture of the orange globe so we can travel to Disney World when he is older. In the SAVE slot he put the green graduation sticker, so we can start to save for college. In the SPEND slot, we put the purple hamburger sticker to represent spending money on the food he wants to get (candies, ice cream, sweets, etc.). Lastly, we have the DONATE slot where we put the purple church to teach him to donate to our church. This piggy bank is designed to help kids get smarter about saving money.

It is a learning tool a child can take with them the rest of their lives. Helping kids learn how to budget and save for things in their life. This is the perfect gift for a little one. I highly recommend this piggy bank.

This is a sponsored ad, however, all the thoughts and opinions are my own.

Retiring Into Old Age Successfully

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We don’t realize it, but retirement is a game. And, like all games, there is a winner and a loser. Now, no one likes to lose because winning is fun and addictive. But, no one wants to lose at retirement because a loss can have a major impact on the rest of your life.

 

There is no doubt that you don’t want this to happen. After all, our golden years are supposed to be the time when we enjoy the fruits of decades of hard labor. Still, it happens to people all of the time, and it happens because they are ill prepared.

 

As such, you have to be ready if you want to win. And, to do that, you have to know the tricks of the retirement trade. So, here is everything that you need to know to retire into successful bliss.

 

Good luck.

 

Be Mentally Prepared

 

The biggest mistake everyone makes is to assume that retirement isn’t a big deal. Sorry to burst your bubble, but it is a huge deal because your life is about to change forever. Yes, the idea of slowing down and pottering around the garden is appealing, yet it is still a transition. Indeed, when was the last time you took the time to relax? Exactly, and now you’re going to do it for the rest of your life, which can be intimidating. To avoid any scares, you should try and get used to the idea. Then, there is no need to wake up in a cold sweat in the middle of the night. People often focus on the physical, yet the mental aspect of retiring is just as important.

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Continue To Work

 

‘What?! I’m never going to work again!’ Okay, you have every right to think this way, particularly after 40 years of hard work. However, not to be critical, but it is a little short-sighted. Although working hasn’t always been enjoyable, it has given your life structure. And, sweeping that structure from under your feet is a recipe for disaster. It is no secret that the golden generation suffers from boredom, and working is one way to relieve the monotony of life. Plus, it adds value because it gives you something to look forward to every week. Of course, it is your decision how much to take on because you are not fully employed. Still, one or two days should break up the week nicely.

 

Stay Physically Active

 

Again, ‘letting yourself go’ is another benefit of quitting work and getting old. But, again, it isn’t a good idea if you want to win the war as well as the battle. Staying healthy is the key to a long and happy life, and that never changes. It doesn’t matter how old you are or how many dues you have paid in the past. Your body still needs maintaining, and exercise is the only method that works. Now, there is no reason to get down with the kids because that is too much. But, there are ways to get the blood pumping without encouraging a heart attack. Walking is the ultimate example, as is gardening. Try and opt for activities that are active but not too strenuous.

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Get Your Finances In Order

 

Anyone that doesn’t work full-time has to be financially savvy or else retirement could be more of a nightmare than a dream. One thing you have to understand is that your earning potential has limits. As a result, it’s imperative to use what you have to your advantage. To do that, you need a working total of all your assets, and you need to write them down. Next, work out your expenses and how much you pay out every month. The total that is left is your overall budget and the trick is to stick to it as much as possible. Sure, there will be some expenses that are bigger than others, yet these are the anomalies. On average, your monthly payments must hit a certain figure. If the number is too low, consider cutting back. It isn’t nice, but it is necessary.

 

Consider Living Arrangements

 

An example of cutting back is moving out of your home. Let’s face it – a house is expensive and may be too big for your needs. The logical thing to do is to downsize or consider the alternatives. For example, living with one of your children may be on the cards if they have the room. Or, moving into a residence with in-home care facilities is also a popular choice. Whatever you decide, it’s essential to be logical and analytical if possible. No one likes the idea of leaving their home, especially if it has sentimental value. However, sometimes it is the only option if your finances are not in order. Hopefully, you’ll be able to keep your independence for the foreseeable future, but you shouldn’t assume that to be the case.

 

Talk It Through

 

The important aspect of a successful retirement is making an informed decision. Usually, this can’t happen without having a conversation with the people you love. Quite simply, your life and theirs are intertwined, so your actions impact their lives. As a result, you need to sit down and inform them that you plan on retiring. That way, everyone can bounce positives and negatives off one another and cover all of the issues. It may be that you’re not ready to quit work for financial reasons, or you’re only doing it because you think it is right. At least when you have a discussion, you will realize if it is the right move or a mistake. Don’t forget that people do make retirement mistakes all of the time, and you don’t want to be another statistic.

 

Finally, don’t do it too early. The idea of retiring and emigrating to somewhere hot is always appealing. However, it also means you have a lot of time to sit around and do nothing. Even if you work part-time and look after the grandkids, it is still a long time.

Pampers Printable Coupon #PampersCoupons

Printable Coupon $1.50 off Pampers!!

From newborn to an active toddler Pampers have always been my favorite go to diapers! They have been the number one diaper for OVER 50 years! You cannot beat the quality and the absorbency of Pampers.  Not only are they the softest but they are also super stretchy. Pampers are also the number one recommended diaper from most moms. I never had an issue with leaks, rashes or them coming apart and I used them with three different, very active children!

I remember bringing my first son home from the hospital and the nurses sending a pack of Pampers. I knew then if they trusted Pampers then I did too! From the beginning, I loved how they would keep the “wet” away from his body and allowing him a good night sleep.

The Pampers Swaddlers were by far my favorite Pampers diaper, they fit and moved better for my active kids! They absorbed more than the other diapers I tried and I never had a leak or wet crib in the morning.

Pampers is super absorbent, it has up to 12 hours of all night leak proof protection.

I cannot thank Pampers enough for causing my little to stay dry. You might be wondering what makes this product so leak resisdent. Well, it has three absorbent layers verses two in the other leading national brands to lock away wetness. Also, another reason this product is so resisdent to leakage is that it fits better around your little one’s legs.

Diapers can be expensive so we are offering a “Print at home” coupon code!

#PampersCoupons #ad

Also just in time for Summer is an awesome $1.50 off Pampers Swim Diapers!!

“This post was made possible by iConnect and Pampers. I was compensated for my participation in this campaign, but all opinions are 100% mine.”

Tips For A Budget-Friendly Summer

Summer has a way of making us feel carefree; we happily spend more money on treats, family outings, or activities for the kids, only to check our balance in September and realise that we might have taken too much out of the savings account. While it’s true that you can’t put a price on the memories you make with your family, you do still need to have enough put away to make more memories in the future. If you’d like to have your cake and eat it too, here are a few tips so you can have the best summer ever on the lowest budget possible.

Cheap vacations

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It’s tempting to opt for a staycation each summer because this is when flights are usually their most expensive, and you don’t often know if there’s enough in the budget to book in advance. Fortunately, you can still take the family somewhere exotic with a few money-saving hacks. Flights tend to be more expensive from Friday to Sunday because most people want to make the most of the weekend in a foreign country. Since you have the whole summer holiday to choose from, try to book a flight that leaves in the middle of the week to save a few dollars. You can also save if you aim to travel the week before the kids go back to school, as this is when prices might start to drop. Websites such as Skyscanner can help you compare flight prices across a whole month so you’ll know the cheapest days to fly, saving you a potential packet. Going all-inclusive can save you more money, especially if you take full advantage of the breakfast buffets and the hotel swimming pool. Spanish destinations such as Majorca and Tenerife, or Algarve in Portugal, are always a hit with families, so these are good places to start looking for an all-inclusive vacation.

Camping

The great outdoors can be just as engaging as a games console, and it’s usually free. Although some campsite will charge you to pitch your tent, there’s no cost for sleeping in the back garden with your younger kids, or out in the woods with more mature children. Brush up on some simple survival skills and teach them how to survive in the wild, introduce them to the simple thrill of climbing trees, see who can spot the most species of birds, and in the evening you can show them how to make perfect s’mores over the campfire. Not only does this experience get everyone out of their comfort zone and encourage the kids to work together to put up the tent and start a fire, but it will help them appreciate the things they take for granted at home; hot showers and indoor plumbing seems like a luxury after a weekend in the woods. Most importantly, however, spending time outdoors will teach children how to respect nature and the environment.

Rent out your house

You don’t need to have a second home or spare room to make money from a lodger. If you’re planning on spending a few weeks away, and you live in a popular area, you could make some extra money by renting out your house to other holidaymakers. You can sign up to be a host on Airbnb, put out feelers with friends, or by making a website advertising your house to people looking for nice accommodation for their vacation.

Packing for vacations

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Hard as it may be to admit, your little ones aren’t as little as they were last year, and all their clothes from the previous summer no longer fit. Before you start packing for your vacation, you need to make sure you have enough summer clothes that fit them comfortably, not to mention all the other summer essentials you need to buy like sunscreen, allergy medication, and travel sized toiletries. To make sure you still have enough left for vacation spending money, you can go to the stores armed with discounts from Coupon Sherpa and make substantial savings on clothes and other items. It might require you to do a little legwork and shopping at several different stores, but it’s worth it just to save a few dollars.

Active family

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If you’ve been trying to find a way to motivate yourself to do more exercise, there is no bigger encouragement than your children; not just because you want to be healthy, but because they will drive you crazy when they start climbing the walls with boredom and the only solution is to get everyone out of the house. If you have fairly young children, take them to the park and actually play with them; run around to catch them on the slide, push them on the swings, or try getting involved in their game of tag. With slightly older kids, you could get everyone on their bikes and ride down the coast, whip out the water pistols and having an all-out war, or check your local area and see if there are any events that will get them walking. If you show your children the value of getting out of the house and having a good time, they may never catch on that you’re doing this for the exercise.

Rainy day fun

Despite all your best efforts to get the kids away from the electronic devices and out into the fresh air, sometimes the weather will conspire against you. Fortunately, you can still find ways to keep the kids busy without the lure of technology. One way to keep the kids occupied is by teaching them how to cook. Your options are endless; you can have them help you make the family’s favourite dinner, you can choose a new recipe to try together, or you can teach them how to make a really easy dish so they can begin building their cooking skills. If you have them help you with dinner, be sure to compliment them on their contribution and watch their little faces light up with pride.

The Single Most Effective Steps Of Cutting Your Energy Costs

Frugal living is all about being smart enough to spot the opportunities for change that are going to save you the most money. It doesn’t always have to mean that you stop purchasing the luxuries of a better life. In fact, sometimes, it might even mean spending a little money. Nowhere is that truer than in your own home. If you can’t quite afford to make the switch to solar power, there are still plenty of little purchases that can make big differences in your energy bill. Here are three of the most effective steps worth taking.

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Seal the outside

The best changes are made to the house itself. One of the easiest ways to waste energy is to neglect how you control the environment of the home. The air conditioning and the heating are used to control that environment, but what does it matter when said environment is easily influenced by the outside? Sealing the home begins from there. Finding and sealing air leaks is going to make it a lot more cost effective to control the temperature of the home. Particularly with the roof, where a missing or cracked tile could have all the heat in the house escaping and could also prove as a very serious risk of damp and mold.

Seal the inside

But without the proper padding, there’s still a lot of heat that can move in and out of the house, freely. If you don’t have it installed already, insulation services might give your energy bills their biggest blow yet. Primarily positioned inside the roof of the home, it’s possible to get insulation fitted all over depending on how much you’re willing to invest. You can also save yourself the money you spend on heating your water, as well. Insulating your boiler and pipes helps them retain heat a lot better, meaning they don’t need to be reheated as often to maintain their temperature. Insulating them also decreases the risk that they’re going to burst due to extreme lows in temperature.

Audit those appliances

Now you’ve prepared the home so that you can control your environment with much less effort and stop the outdoors from influencing it too much, what comes next? A wise step might be to look at the appliances that do all the work for you. Getting an energy audit of your air conditioner, your heating, and other appliances throughout the home can identify which of them use the most energy. It can also help identify which of them are using more energy than they should, which could be a sign of a malfunction that, when fixed, could make a significant impact on your bills.

From the stage where you have the above three in place, it’s all about managing your habits. Let the thermostat down a few degrees when you feel you could comfortably do so. Make a habit of turning off appliances you won’t be using in the next thirty minutes instead of putting them on standby. Use a lamp at night instead of the house lights. Every little change in how you live is an extra bit of money saved.

It’s a Family Thing #wowsummit #blogher17

I have blogged part-time, on and off, for the last 6 years. My first site was Reviewing For You. It crashed when e-rice closed. I was ready for a change anyway and decided to start my new site in November 2014.

My sister Terri @ http://shabbychicboho.com/ has blogged full-time for over 10 years, she was my inspiration. So when I sold my business last year, I decided to blog full-time and I haven’t looked back since!!

Recently, we have enlisted our mom to help be our VA and have since introduced Terri’s daughter Tiffany @ http://www.itstotallytiffany.com/ and my daughter Hannah @ http://beachylady.com to the blogging world.

I love it, I love meeting new people, promoting my page and still get excited when I receive emails about working with a new company. Of course, I didn’t really expect to make money doing it, I was mostly doing it because I have to stay active. The main perk was receiving cool stuff for my three amazing grandsons.

This last month, I decided I would start tracking my income and was surprised at the amount my site is making. I wanted to get a little more organized since we decided to go to two blogging conferences this year #blogher17 and #wowsummit.

Hopefully, I will learn even more at the conferences and plan to do a monthly budget and set goals. I know most people do this to make money, I just wanted something to do to stay busy and find some amazing products, the making money part is just a plus.

I love the flexibility blogging offers me. I can help my daughter to build her blog site and spend time with my grandsons. Mostly I love working by the pool. If you are wondering if you can make money blogging, the answer it yes. If you have patience, work a lot of hours and don’t expect to be rich over night. You have to have a passion for it and enjoy what you do to be successful in anything.