Teach Young Children About Money

 

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When you are a thrifty momma or just a momma in general, you want your children to learn about money, it’s value and how to manage it. Teaching new things are never quick and easy. You should always break it up into segments to give them time to learn and retain the information. Build on their knowledge as you go.

We started teaching our daughter when she turned 2. She is learning more and more each day. Don’t rush them and make it fun.

  1. Teach them what they are called.
  2. Teach them the different sizes and colors.
  3. Teach them how much each is worth.
  4. Teach them paper money names.
  5. Teach them how to sort paper money by president face and/or numbers.
  6. Teach them the value of the bills.
  7. Teach them how to add money.
  8. Teach them how to shop with money.
  9. Teach them how to save money.
  10. Make sure you use real money when teaching so they don’t get so confused. With paper money, I understand using fake money, but you want to make sure it looks pretty real. We use real money for $20 bills or less.

You can make this fun in many ways. My daughter loves to help daddy put away his money every night when he comes home. She knows it isn’t hers too, that we are saving this money. She helps name, sort and put into coin rolls. She is only 2.5 years old. She hardly ever messes up and when she does, we just tell her we need to fix our money and start over. She is completely fine with playing longer with money! Ha Ha.

How I spend only $50 on my child for Christmas…

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What is your budget per kid for Christmas? Well at my house it is $50! You may think this is crazy and such a small amount considering electronics and such. Not so crazy if you think about it.

Who waits till the month before Christmas to shop? Well I don’t! I literally start the day after Christmas for the next year’s items. I learn the clearance times of year for my local stores, I scour online for coupon codes, free shipping, and huge sales/clearance, and I shop second hand. Not everything has to have a huge price tag.

My favorite place for toys is Meijer! They have wonderful clearance and you earn bucks back with purchases. They use the original price for those totals also! Score! I got a Rock and Royal Barbie this year on clearance for $5 from its original price of around $25. Daughter loves Barbies and Music.914jp2n-qgl-_sl1500_

 

Who would pass up that price? Right? I love finding great deals. I also got “dress up” clothes on sale for $2 a piece. They are basically the Halloween costumes that went 90% off. I am talking Hello Kitty, Police women, Batgirl, Supergirl and a few others. I got her a few other items too and my total came to $47.43 this year with tax. She will have tons of presents under the tree and has no idea how much I spent. I am a frugal shopper, not due to finances, but due to the fact that I can spend that leftover money on other things for my house, my job, my car and even put it in savings. Hopefully, you all have a happy holidays and you find some great deals!

 

DIY HE Laundry Detergent 


I have been into saving money for a few years and this is one of my favorites. My very first batch lasted almost 2 years!

I buy my supplies at Walmart. Total out of pocket

Borax: $3.97

Arm and Hammer Washing Soda: $3.97

Zote Shaved Laundry Soap $2.64

Grand Total: $10.58

I add 1 cup of each until one runs out. I use a 13 qt bucket and this makes 5qts!

You use 1tablespoon for a normal load, 2 for a large load and 3 if you are like me and your husband has nasty work clothes.

You can add fabric softener if you like.

It works in both regular and HE washer and dryers. I have HE and have no problems.

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DIY Back of Seat Organizer

So since I have a 1 yr old currently, I needed something to keep her toys and things off the floor board. I found this on Pinterest and thought I could make it!

Here is how:

  1. Cut 2 28×20 panals of your main background fabric
  2. Cut 2 11X9 of your pocket fabric 
  3. Cut a 21×5 strip for your strap in either fabric you want.
  4. Sew the one long side of each pocket (which I forgot to do) to have that as the side that will be open. 
  5. Put the Pocket fabric where you want it and then fold 1/4in under and pin to your main fabric all around the 3 sides. Do this for both pockets.
  6. Sew pockets.
  7. Now take your fabric for the strap and fold in about an inch and then pin them together. Sew together.
  8. Now take the 2nd piece of main fabric, choose which side will be inside and pin the strap to it.  I usually keep 1/2-1inch past the top. Just remember that you will need to fold.
  9. Now put both main pieces together inside out and sew. Leave top open so you can turn it right side out.
  10. Once turned right side out sew you top closed.

   
    
 

Marked Down Meat

  
I don’t know about you, but I love marked down meat! It is still good and at low prices. This was my my meat from today’s shopping trip. Notice the largest 2.5 lbs ground beef is only $1.38!!!! Score! It was hidden too. 

I freeze most of my meat and put into portion sizes. It helps with meal prep, wastefulness and saves you money. 

  
We use ziploc vacuum freezer bags which are amazing. They are a great investment plus we wash and reuse use them a few times before throwing them away. It makes my meat last up to 12 months in my freezer! What do you do with your meat?

  

Diy de-icer

The snow is here in Indiana! We had fun this morning getting our car ready to drive. Windshield is complete ice and over 3 inches of snow. Plus they plowed some snow behind our car, so you know it was fun getting out with a low riding car. Well we had to make Diy De-icer this morning.

Ingredients:

Spray bottle
Rubbing alcohol
Water

Directions:

Mix 1 part water with 2 parts rubbing alcohol.

Either mix in spray bottle or mix seperately then add to bottle.

Easy as can be and works great! Hope this helps the ones who get the fun snow and ice.

Be safe out there.

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Things you will need for a new baby

You see so many lists and registries for a new baby, that you may get overwhelmed. I know I was. I wanted to make sure I had everything I needed before she came into this world, but really what do you need?

I had some great friends and family that helped thankfully. I also did some research on products. I went basic and cheap and stocked up. I found deals or had things given to me.

Here is my list of items that we used and loved:

  1. Rock n Play Sleeper is my number one. It cradles them, it has them reclined, it can make music, vibrate and rock. It is a life saver, It even folds up, so you can take it with you. I had mine given to me, I just had to clean it and I even passed it on to a friend who loves it as well. iphone - 2014 037
  2. Changing Table is also another that was great. I had it in my living room for the first 4 months. It was great storage and came in handy when you had a gross baby. Most come with a buckle to keep them on there if u need to grab something or they wiggle a lot. Don’t always trust the sides to do that, if they are built up high. I got mine on a Facebook yard sale site for $25. Our daughter is one now and we use it for extra storage and to hold diapers in her room.
  3. Diaper Pail is a must! Baby diapers stink!!!!! We bought a cheap diaper pail, link provided. It uses kitchen trash bags, which is great. We buy the febreeze trash bags in bulk and are good to go. It holds a LOT too. Saves you money and your nose!
  4. Diapers are a must. We used Luvs diapers, plus whatever else we were given. Luvs hold a lot of pee by the way. We also used cloth one-size pocket diapers which are a lifesaver if you need to save money and have a washer and dryer. Buy in bulk with coupons, sales, and walmart/amazon. Also the link brings you to walmart to the biggest box of luvs diapers you can get at a retail store!
  5. Boudreaux Products are amazing and a life saver. They make butt paste in normal and extra strength plus a natural version, dry skin ointment, lip and cheek moisturizer, rash preventor, and body wash and shampoo. They are also safe for cloth diapers!
  6. Humidifiers are a must. Especially if you life in a place that the weather changes often or its extra cold or extra hot.
  7. Nose suction and saline are another you will need. Can get from hospital (hint).
  8. Onsies are major, lots of accidents can happen, I usually like to have enough to change 2xs a day, just in case.
  9. Bottles if you are formula or pumped breast milk feeding. I love playtex ventaire.
  10. One cuddly blanket for baby. The sleeper rocker was great because you can use a blanket and also they are good for tummy time. Blankets are baby’s friends.
  11. Fan because it helps prevent SIDS
  12. Wipes are needed for more than just butts. We buy in bulk of pampers, but when we can we buy the one and done wipes for when poop happens. They are great for little hands and faces. Also may save mommy and daddy too!

These are the bare necessities we used. Below will be a few extras to have if you are like my daughter and born in winter in Indiana.

  1. socks
  2. mittens
  3. hats
  4. wipe warmer (helps stop shooting pee)
  5. carseat cover
  6. pants

Then and Now of my cute Daughter. A year makes such a difference.

Let me know if you think of anything else that is a must to have or for weather specific.

Cloth Diapers are easier than you think!

   
 If you have a child in diapers, you understand that they are expensive! I swear you use all your extra income on them, wipes and formula. It gets crazy.

I always wanted to try cloth diapers, but didn’t know how I was going to afford starting my stash. I looked and found some great deals. If you are like me, you want cheap, but still good. I found some at 2 different places. Diaperswappers and Amazon. They have great deals and bundles.

I have a stash of 35 diapers (with a insert each) plus a x-large wet bag. I paid $250 for it all. I used them at home until my daughter was 6 months old. We were given a lot of disposable diapers, so we used them when out and about and staying with family. I loved them, even if my husband didn’t. (Men!)

My diapers were one-size pocket diapers. I loved that they were easy to clean and dried quicker. There are also prefolds, AI1, AI2, flats and more. They held a lot of pee and I never had any blow outs with them. (Which is amazing all in itself!)

My way of washing my pocket diapers:

  1. Wash every 3-4 days (depends on how many diapers you have in your stash, but this is probably the longest you want to go)
  2. Put all diapers into your wet bag til you are ready.
  3. Take inserts out of diapers before putting everything in the washer. Even put your wet bad inside out into the washer.
  4. I have a HE washer and dryer. I have a pre-soak button that I use with a heavy duty cycle.
  5. I use homemade detergent. ( On another post!)
  6. Once they are done washing, I hang up all pocket diapers to air dry, throw the inserts and wet bag into dryer on heavy duty drying cycle.
  7. Side note. I also washed and dried her baby clothes with the diapers and had no problems.
  8. I let the hang drying diapers dry overnight and they are ready to go next day!

 

DIY SUGAR SCRUB

I love satin hands, if anyone knows what that is, by mary kay. It is amazing and I have been using it for a few years now. Problem is that I don’t always have the money to buy it. I know I am not alone in that.

It makes my hands so soft and feel like heaven. I have been searching for a way to make my own for awhile. It was tough, but I found one that is almost perfect! I even gave to some friends to test it out. (love my guinea pigs.)

It is really simple, which blew my mind.

Ingredients:

Sugar

Dawn Dish Soap, Pomegranate or cucumber melon 

    
 Container (size of your choosing)

Directions:

  1. Add sugar to your container til u meet your desired amount.
  2. Pour Dawn on top til you coat it and it starts to sink into the sugar.
  3. Mix with a spoon til you get a paste, add more dawn if needed. Especially if making a large batch at once.
  4. Your Done!
  5. Side note, you may need to mix some before uses if it sets for a bit.

Enjoy!

Ways to Save Money if you are Starting Out

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Everyone wants to save money these days. I needed to for my daughter pictured above. It is hard starting out, but don’t be discouraged. I started out making small changes and did one at a time. Here are some of the ways I have saved money for my family living on one income.

  1. Make your own laundry detergent! – yes, I truly did make my own and over a year and a half ago! I still have a bunch left also. I have a family of 3, so we do laundry every other day. 1-2 loads each time. I used Zote FlakesArm & Hammer Washing Soda, and Borax. I mixed it all in a 5-gallon bucket. I use 1-2 tablespoons per load and it works great with my HE washing machine.
  2. Cloth Napkins, Wipes, and Diapers – Napkins and wipes are pretty much the same, just napkins you can use different material that you may not use on a baby’s butt. They are simple to make as well. Cloth Diapers save you $100-$1000 a year. We loved them especially living on one income. We bought in bulk and cheap. Amazon is great for these.
  3. Buy in Bulk!!! – Can’t stress this enough. It has saved us so much money doing this. We mainly buy in bulk our household products. Toilet Paper, Paper Towels, Soap, Trash Bags and Dishwasher Tabs. If I find a good deal I will also buy food in bulk such as pasta, meat, and canned goods.
  4. Coupons and Promotions – This is a great way to say on what you already buy. I save about $100 a month on groceries by using rebate apps and coupons. Ibotta, Mobisave, Checkout51, and Savingstar are great rebate apps. I also use GrouponEbates, Krazy Coupon Lady, and Retailmenot for deals, promo codes and cash back. I also check out the Sunday paper for coupons, email companies for coupons and check out their websites. Do not forget store cards that have coupons on them!
  5.  I rarely pay full price for anything. I try to buy on sale 90% of the time and stock up on the really good deals. Clearance is your best friend. I stocked my daughter’s shirt collection for $1-2 a shirt thanks to Meijer. I also bought all of her Birthday on clearance.
  6. Yard sales, Flea Markets, Facebook Sale sites and the like. Find great deals on there and sometimes steals. I have gotten my daughter’s toddler bed, outdoor play toy and my new phone from these sites for half off or more. You can also sell your items, just remember these are not places you sell full price at.

These are great ways to get you started and make a difference in your budget. Hope they help!

 

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