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Archives for 2015

The Importance of Living a Healthy Lifestyle as a Family

October 7, 2015 | Leave a Comment

Developing a healthy lifestyle as a family is extremely important. Here are the two simple ways our family has done this.I want to start by saying I am by no means an expert in nutrition or pediatrics. I am however a mother and woman, to whom this is an important topic to me for many reasons.

Growing up as a young girl who was surrounded by pre-teen and teen magazines (thank God the internet wasn’t mainstream yet), I was constantly comparing myself. I remember my first ‘’diet’’. Basically as long as it was low fat or fat free it was ok to eat. So though I couldn’t eat an avocado, sour candies were fine. I was probably around the age of 13/14 and working hard for a six-pack in the gym. It was ridiculous in hindsight.

Thankfully it was never really an ‘’issue’’ for me. Though I was attempting to ‘’diet’’ and was going to the gym with my friend (who at 13 was following weight watchers per her family doctors OK), my mom was an educated woman and made sure I was healthy. It actually encouraged her to start going to the gym as well, to quasi spy on me which then led to her own love affair with working out.

I don’t know what it’s like to be a young boy, I know boys must suffer from body issues like girls do but likely in a much more silent way. Body ‘’issues’’ are a huge issue. Childhood obesity is also a terrifying statistic. I read an article recently about a pre-K student being diagnosed with Type 2 diabetes (no reference so maybe it wasn’t true), but it’s totally possible.

We live in a word of extremes and we as parents have to try and find a healthy balance. We don’t want childhood obesity to scare the life out of our kids but we also don’t want our kids suffering from body dysmorphic issues. We need a middle ground.

Healthy Habits Start at Home

Healthy habits definitely start at home and it doesn’t need to be complicated. For us, we ensure that our daughter gets outdoor play every day (weather dependant) and on days the weather doesn’t cooperate, we do fun stuff inside. Sometimes she works out with mommy and other times we have a 30 minute dance party. As long as she’s having fun and getting exercise that’s all we care about.

At just over three, she’s also involved in helping me in the kitchen. She, like most kids are more apt to eat foods when they’re involved with preparing it. For instance she insisted she didn’t like pizza, until she made one herself (we use small whole wheat naan bread or Greek pita, pizza sauce and low-fat mozza cheese). She loves eating what she creates. Sometimes it’s even just giving her the choice of side ‘’did you want cucumber or grapes as a side tonight?’’ This allows her to have control of the choice without realizing the restrictions you as a parent put in place.

Kids Learn Through Example

Kids, especially young kids, learn so much by what they see in their environment. Our daughter knows mommy likes to go for walks so will often ask if it’s something we can do together. While I’m sure she sees it as time together, she’s also getting fresh air and exercise.

My experience as a parent as well, is that parents are scared to talk to their kids about obesity. They’re nervous that it will embarrass their kids or make the kid think you think they themselves are obese. This simply isn’t true and childhood obesity is a huge issue that needs to be talked about early on. There are many ways to bring up the importance of living a healthy life without traditional ‘’fat shaming’’. Rather than teaching your kids to be afraid of something (obesity) educated them as to why it’s important to be healthy.

If living a healthy lifestyle is something the family does together it will transcend to children organically. Kids who know healthy balanced lifestyles will continue to live one, and if they don’t as they age, they will at least have the education to make informed choices.

How do you make healthy living apart of your family?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Healthy Living & Eating Tagged With: healthy family, healthy habits

How to Plan a Great Date Night on a Budget

September 30, 2015 | Leave a Comment

Spending time with your significant other doesn't have to be expensive. Here's how to plan a great date night on a budget.People will tell you that once kids come into the picture, having traditional date nights will be hard, and they’re right.

For a multitude of reasons it becomes difficult to get away sans kids. We’re bad for not making it a priority. Part of the reason for us is that quite honestly we enjoy having our daughter around. It’s not too often that we’re eager to get away from the responsibilities of parenting and be alone but we know it’s essential to our marriage.

You don’t realize how little engagement you and your spouse have until you’re in a situation where it can happen. Though we get away or go out, we usually have our daughter with us and no fault of hers, she consumes almost all of our attention and conversation. She’s at an age now where if we tell her we need a few minutes to talk or whatever she gets slightly offended so it’s more appropriate to just plan an evening or day where she can have fun doing kid stuff (with a sitter) and we can have uninterrupted time alone.

Dates don’t have to be expensive.

When we were planning our anniversary last month we decided to take a little afternoon road trip instead of spending a bunch of money on each other and something like a fancy dinner out. We were home by supper time but it was so nice to sit in the car together for a few hours and just chat. We stopped for lunch and went for a little walk around a few local stores. Including lunch and gas the whole day probably cost us $100 this is, without a doubt the most we’ve spent on ‘’each other’’ in a long time.

When you’re on a budget you really feel the pressure when it comes to dating your spouse. Start with easy areas to save, we started with nixing unnecessary gifts. It really is the thought that counts and saving your money to reach your financial goals will keep you much happier than a materialistic item. Discuss this if you decide to do it though so feelings don’t get hurt. Budget or not I’ve never been on who wants gifts. I just don’t really like ‘’stuff’’ and if we’re going to spend money I’d rather save it for an experience together rather than something like a fancy watch.

Dates at home can be fun. Buy a few cheap treats at the store, and watch a movie together. This is something we don’t do enough and have few excuses as to why not. Getting a babysitter to even run errands together can be fun. Sounds dorky but we love a kid free stroll in Costco! Learn a card game, cook dinner together when kids are in bed…

Having a date with your spouse is about the time together not money spent. It be hard to get past the traditional ‘show up with flowers and wine and dine’ your spouse but especially after becoming parents you’ll quickly realize it’s about making the time for other person, regardless of what the event actually is.

What’s your favorite cheap date?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Home and Living, Money and Finances Tagged With: Budget, Date Night, marriage

How to Save Up For a Downpayment When You Have a Family

September 16, 2015 | Leave a Comment

Saving for a downpayment when you have the responsibilities of a family isn't easy but is doable. Here are some helpful tips.Homeownership is a huge goal for many people.

Given the many expenses that come with having a family, it is often, though not always, a goal that is easier to obtain before kids come into the picture. Just because you have a family before homeownership doesn’t make it impossible though, you just need to get creative when it comes to saving for a downpayment.

Get a Second Job

When you have kids, this can be difficult but if money needs to be made this is the simplest way to do it.

A friend of mine growing up always rented an apartment with her family until one day she told me her parents finally bought a house. Her dad had been getting up at 4am Monday-Friday to deliver newspapers. Though he hated the hours, he reaped the benefits when, two years later, he was able to buy the family home he has always wanted with the income he earned from his second income alone.

Sell Kids stuff

With kids comes stuff, and lots of it. After three years of collecting stuff for our kiddo I’m finally at the point of realizing some of it has to go. I had grand ideas of holding onto a lot of it in case we have more children but I’ve come to the realization that if we do have more kids they will likely get stuff too and then we’ll have multiples of things.

If things are kept in good shape you can get a decent return on money spent. By taking care of kids items and reselling them you can start a decent savings goal for that downpayment account.

Downsize temporarily

Whatever your current living situation, if it’s possible, downsize. Maybe siblings will have to temporarily share a room or you’ll need to get rid of some things for the move but short-term pain for long-term gain may definitely apply here.

My co-worker sold their house and moved in with her in-laws for six months to save money. In six months alone the managed to save $15,000 since they were able to live rent/mortgage free and no utilities. The mother-in-law insisted on no money but instead they paid for all the groceries while living there. Though she hated every second of living there, without doing so it would have taken her almost 24 months for the same goal.

Make it a Family Goal

If your kids are old enough, involve them in the plan. Explain to them what your goals are and why things may be changing to reach the goal. Maybe cutting out a summer camp or a dance lesson will be required to meet the downpayment goal but in the end the whole family will benefit and they need to understand this.

Homeownership can seem like an impossible goal to reach but with a little extra effort and family commitment, it is possible, even after the financial responsibility of kids creeps in.

Did you buy a home after your kids were born? Did you need to do anything differently?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Money and Finances Tagged With: Buying a Home, saving for a downpayment

Encouraging Good Language Development for Toddlers

September 9, 2015 | Leave a Comment

Is your child having a hard time learning to talk? Here's how to encourage good language development for toddlers.Since my daughter is the only child I’ve ever really been around for any length of time, I really have nothing else to compare to in terms of development. People often comment though on my two-year-old’s language development. Other parents, teachers and people who have way more experience with kids than I do. Recently a friend of mine asked if I did anything ‘’special’’ to teach our daughter how to speak ‘’so well’’.

Given that this is my first go-round with this parenting thing, my answer is always no, but when I think about it my daughter’s day-to-day life is surrounded by opportunity communicate, effectively.

Starts with communication at home

My husband and I avoided ‘’baby talk’’ from the very beginning. We didn’t have silly names for things, ever. If we were giving her a glass of water or a bottle we wouldn’t call it ‘’wa wa’’ or ‘’ba ba’’ instead. Traditional ‘’baby talk’’ has always seemed unnatural to me, so this wasn’t exactly something I deliberately didn’t do but after being around friends with other young children I realised how different my day-to-day language was with our daughter, it was more ‘’grown up’’ somehow.

Though I don’t think it’s necessarily a bad thing if you want to communicate in easier tones for your child to understand, I do think expecting them to suddenly stop using these words at a certain age is then unfair.

Read to your child, look at pictures

I can’t stress this enough. You can never read too much to your kid, it’s just that simple. We read all sorts of different books to encourage the diversity. Everything from simple picture books that are fun to longer books, that, I think, encourages focus. It’s the simple picture books (with busy pages) that we have the most fun with though. When she’s really young they’re fun pictures where we can point out all the different things on the page and as gets older I can ask everything from ‘’count the balloons’’ to ‘’who is closer to the boat?’’ to ‘’where’s the octagon?’’ type of questions. We also like flash cards.

Have basic expectations

If our daughter mispronounces something, we correct her. Not in a military drill type of way but we will usually say ‘’I think you mean this’’, just once. After a few times (or correcting her) she’s usually got the proper pronunciation down.

Be selective with screen time

We do allow our daughter to watch a little TV and movies but we’re very selective about what she watches. We follow her lead as to if she’s into a show or not but if we as parents don’t like it we won’t allow it. There are a lot of really dumb programs for children. Ones that speak in dumb languages and words. The first red flag for us as parents is the clarity of speech.

Play Games With Your Surroundings

Something I started doing with her when she was young was count the stairs as we walked up. We also sing songs like ABC’s when we’re driving in the car to keep her distracted from an otherwise boring car ride. From these things alone she has been counting and singing her ABC’s for many months now.

I am by no means and expert of any kind, these are just a few things that we’ve done that seem to have led to a pretty decent vocabulary and pronunciation for our two-year-old.

Do you have any tips for encouraging good language development for toddlers?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Education Tagged With: babies, language development, Learning, toddlers

4 Tips for Staying Fit on a Budget

September 2, 2015 | Leave a Comment

Contrary to popular belief, getting healthy doesn't have to cost a fortune. Here are four tips for staying fit on a budget.Exercise is something that’s always been important to me. Growing up, my mom treated the family every year to a family membership at a local rec center. We loved it! We had unlimited access to multiple swimming pools, skating rinks, classes for all ages and as we got older we capitalized on the use of the gym.

Having a rec center membership isn’t an option for everyone. Not only does everyone not necessarily have access to a rec center, they can be expensive. For us as a family, while we work towards other financial goals, we’ve opted to not have a membership and instead stay fit with what we can do at or from home. Most things are pretty cheap, if not free.

Get Outside!

This is the easiest way to stay fit. Go for a walk, ride a bike, find a place to hike. The best shape I’ve ever been in was when I was walking 5km every day round trip to school. Since we don’t have access to a rec center my husband recently bought a new bike that was on summer clearance. This is something he’ll be able to use for years to come and didn’t cost much at all! I love walking and when I’m home with kiddo I like to put her in the stroller and walk around our neighbourhood. Hiking is another favorite activity of mine though I don’t get to do it as often.

YouTube

When I was home on maternity leave I would search for YouTube exercise videos to help with the baby weight. Combined with a good diet and regular walks with the baby I got to my pre-baby weight. There are entire YouTube channels offering free workout videos depending on what you’re looking for.

Home Workouts

There are entire companies out there that were established to make working out at home possible. I recently started following the video series of one of these programs and actually really like it. I can do it from the comfort of my home and all I need is a few cheap weights (check local second hand stores or garage sales), and a yoga mat. Be careful you don’t get sucked into buying some of these companies’ nutritional supplements though. They usually have a reasonable ‘’first time’’ price but can get you on subsequent orders. Eat a well-balanced diet and exercise, you don’t need fancy supplements.

Check Out Local Programs

Our local library often has fliers advertising free or cheap classes, everything from toddler ballet to 65+ Tai Chi. Some of the courses are free (Yoga in the park every Sunday!), but some have a small fee associated. When I was in university I partook in a cheap learn to run course and it was a great experience, I was especially thankful for my tight budget!

Some people only think of fancy gyms and pools when it comes to losing weight and staying fir when the reality is that you can live a very healthy life without paying for anything.

Do you have any tips for staying fit on a budget?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Healthy Living & Eating, Money and Finances Tagged With: health, staying fit on a budget

Non-Traditional and Easy Jobs for College Students

August 26, 2015 | Leave a Comment

Making money in college doesn't mean you have to work at the local pizza place. Here are some easy jobs for college students that won't tie you down.Though I managed to hold a part-time job while in university, it wasn’t easy. I did it totally out of necessity, and if I could have managed without one, I would have. Don’t get me wrong I would have made money during the summers but having the responsibility of a job while studying can be challenging. Thankfully I had a very understanding boss who made sure I had the time off when I needed but not all students have that flexibility.

I would encourage any post-secondary student to be very choosy about your jobs. If it will hinder your studies in any way, it’s not worth it. There are a few non-traditional jobs that may be a good compromise though by keeping the money coming in, but on your own free time.

Tutoring

If you’re in university or college, tutoring may be a great way to make money. It could be in a specific topic or it may be guidance to help graduating students prepare what they need for their college applications. Tutoring is a great way to make a decent amount of money in a short period of time. You could easily charge $20 per hour, or more. Tutoring for just a few hours a week is a great way to make a decent amount of money in a short period of time.

Teaching Assistant

Once you get into university if you excel at a topic you may be asked, or have the option to apply to be a teaching assistant. The tasks assigned will vary but range from helping to mark papers, organize things for the professor for lectures, run tutorials or labs for the class. Though I never did this I had a few friends who did and managed to make a pretty decent amount of money too.

Mystery Shopping

I had a friend who I met during my second degree who did mystery shopping what seemed like every day. In her case it paid very little cash but majorly supported her living away from home. She would pick jobs like ‘’spend $50 at X drugstore and document your experience’’. She’d stock up on stuff she needed like toilet paper or mascara then submit the receipt for a full refund as payment for her time and report. Another favorite was dining in restaurants. She didn’t have much money to spend on socializing so this was a way she could dine out for free.

Event/Promo Staff

There are constantly events and promotions on campus and surrounding areas. Though these gigs can be inconsistent, they have the potential to pay well. A few friends of mine got on with a local beer company to promote during things like Halloween parties, FROSH week etc. They’d probably only ‘’work’’ maybe four weekends a year, they’d easily make $300 in a single weekend.

Holding a traditional job can be very demanding while pursuing intensive studying. If you look outside the traditional job route you may be surprised what is actually out there.

Have you ever done any of these jobs? Did you work in university?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Education, Money and Finances Tagged With: college jobs, easy college jobs

5 Reasons Why Renting is Sometimes the Better Choice

August 19, 2015 | Leave a Comment

renting a homeDid you know that “houses for rent”, “rental properties,” and “apartments” are some of the most searched keywords? Check the classifieds of any local newspaper, and you’re sure to see vast numbers of listing of rental properties.

Millions of people worldwide are choosing to lease a rental property, either temporarily or even for several years. As a former student and struggling writer, I had my fair share of rental properties – and I’m telling you, I’ve got some good experiences (more than bad ones) with it. Here are five perks of just renting a home:

Perk of Renting # 1: You’re not responsible for the homeowner’s insurance, PMI insurance, and property taxes.

As a renter, you’re are not liable for any additional cost of owning a property including the homeowner’s insurance. These expenses can add up quickly and it could mean that is more affordable to rent a home than to buy. This is also true if you’re not planning to live in the area for an extended period of time.

Perk of Rending # 2: You’re not responsible for the home repair bills.

Call it Murphy’s Law or whatever, but homes will need repairs occasionally. I once rented an apartment with three of my college friends, plus my cousin (Kristian, you still owe me money!) A few months after moving into the apartment the sink pipe started to leak all over the kitchen. The repair bill was shouldered by the landlord – all $400 dollars of it! Had I own the house, I’ll have to shell out that amount of money. Therefore, renting a home means you won’t have to pay for natural property damages that may occur.

Perk of Renting # 3: You don’t need to worry about the property losing value

Because it’s obviously not yours! While the value of some homes can increase, most of them can decrease as well. If you’re a homeowner, chances are you’d probably lose some of the equity and down payment. As a renter, you needn’t worry about trivial things such as this. Good for you!

Perk of Renting # 4: You don’t need to pay a Realtor’s commission fee when you move in.

Owning and selling a house entails multiple fees from a realtor who will work on the entire process. Say your home is $175,000 and his fee is 6%, this is translate to $10,500. That’s a heck of a lot of money! Something you don’t need to worry about when you’re a renter.

Perk of Renting # 5: Renting gives you all the flexibility in the world

Talk about freedom! Sometimes, the life and environment in an apartment complex might be better suitable for you than a fixed lifestyle when you have your own house. The structure of the apartment can also be better than a house you could afford to buy. You just need to look for a perfect property for rent that’s just right for your current needs.

And who knows, you might even find the love of your life – he/she might even be your neighbor. It’s true in my case. And yeah, we are still happily renting together.

Brian
Brian

Brian is the founder of Kids Ain’t Cheap and is now sharing his journey through parenthood.

 
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Filed Under: Money and Finances

Four Home Ownership Costs to Consider Before Buying

August 19, 2015 | Leave a Comment

Thinking of buying a house? Here are four home ownership costs you need to consider before signing on the dotted line.For some, homeownership is a huge goal. At one point, it was one of my goals too. I fantasized about owning a home of my own every day until it happened. Though we did, what we thought was a lot of homework before buying, there was still so much we didn’t know, or think about, until the time came.

Here are four home ownership costs to consider before buying.

How much money do you need, after closing?

We knew we’d need the downpayment, but we weren’t exactly sure about how much everything else (deed transfer etc.) was going to cost. Thankfully we overestimated and ended up having a little extra saved, never a bad idea. There are small annoying costs to consider too like, you may want to pay to have new locks installed or carpets cleaned before you move your stuff in.

What is included/What needs upgrading?

Find out exactly what is included and see if anything needs to be bought or changed. For us, though all window coverings were included they were pretty awful. This was a cost we did not consider at the time and slowly had to change them out. We actually went without bedroom curtains for almost a year! We had all appliances included as well, and most were ok but something we didn’t really pay attention to when we bought, was how old the washer and dryer were. We only had to use them once to realize they weren’t in the best working order and needed to be replaced, another cost.

How much will it cost to actually move?

At the time we bought our home, we were moving from a small apartment to a house. We didn’t have a lot of stuff and were able to move by ourselves no problem. For the cost of renting a truck and paying our friends in beer, we were moved over in an afternoon. Moving from our current home to our next house will be much more difficult and we will likely need to hire movers. Between our friends having many more commitments now (careers and young families) we have too much stuff and will likely need help from professionals if we want it done in a timely manner. This isn’t going to be cheap and a cost we will need to investigate before we move so we’re not surprised when the bill comes in!

What don’t you have?

When we move to our next home in a few years there are things we will need that we don’t have in our current home. We’ll likely have another child at this point and they will need their own bed. We will also need a new couch since the plan is to get rid of our current couch when we move, one less thing to move but one more cost we need to consider. (Here are some tips on buying secondhand.)

Getting into homeownership is exciting but also a lot of work and money spent! Though most people consider the downpayment costs, it’s easy to overlook the other costs involved in buying a home. Though some of these costs snuck up on us the first time, we’ll be much more prepared next time!

Did you overlook any costs when buying your home?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Money and Finances Tagged With: home ownership, home ownership costs

Preparing Easy School Lunches and Keeping Your Sanity

August 12, 2015 | Leave a Comment

It's easy to lose your sanity during back to school time. Here's how you can prepare for easy school lunches that are  quick and healthy to put together.I have a love/hate relationship with lunches. I love making them because I have control over what my family is eating and most importantly it’s much easier on the budget than either buying out every day or, in my daughter’s case, paying an additional $5.00 per day for her daycare. Though we still do have an occasional lunch out, 90% of the time you’ll find me in the kitchen after our daughter is in bed, prepping our lunches for the next day.

I’m the least fussy person in the world to satisfy when it comes to lunch. If we have no real ‘’meal worthy food’’ in the house I’m perfectly content with taking a bunch of fruit and snacks for the day. My kid however isn’t so easy to please. Thankfully she thrives on routine and for now we have a few easy go-to’s that we’re able to rotate.

The biggest downside when I think about lunch prep is time. My husband cannot for the life of him figure out what takes me so long when I tell him I’m going to make our lunches. Honestly it took time to figure out, but when I’m organized I can prep in less than half the time it would normally take me. To do this I’ve found a few tricks to make prepping lunches a little easier.

If your kids are heading back to school these tips can help you with their school lunches.

Prep, well in advance

Leaving all lunch requirements to the night before can be stressful. There is often more involved than you think and your 5 minute intention quickly turns into a 45 minute endeavour. By prepping a few things in advance you can shave quite a bit of time off your evening (or morning) lunch packing routine.

Simple things like having fruits and veggies already washed can be a time saver. Pre-pack these things in portion sized package so they can be grabbed and thrown into the bag. Our daughter loves a simple PB and J sandwich so I’ll usually make a few at once and freeze them. They freeze and thaw perfectly fine and makes my life much easier when they’re done.

Think outside the box

Growing up, lunch was a sandwich, drink and fruit. I don’t remember ever questioning it, that’s just what we got. There were variations on the sandwich and bread but that was about it. Though our daughter does likes her sandwiches, she also loves even easier stuff like crackers and cheese. I buy multigrain rice crackers (rice stays much harder and crunchier longer than traditional crackers), and will send her with those, hummus and cheese. Throw in a fruit or veggie and her yogurt and it’s the fastest lunch to pack!

Organize the fridge and cupboard

This goes with prep but keeping things organized makes everything easier. I have a basket where our snacks go, a place for the yogurt in the fridge and a dedicated spot for fruit. It allows me to open the cupboard or fridge, grab what I need and throw in the lunch bag, almost with my eyes closed. I always pack our lunches with: a ‘’main’’+ water + yogurt + fruit or veggie. Having a system in place makes my life so much easier.

Bringing our own lunches saves us in many ways. Not only are we saving a ton of money by packing food from home (an average of $2-$3/lunch vs. >$10 eating out), we’re saving our health by controlling our portions and caloric intakes. Though there can be prep work involved in the beginning, once you start ‘’brown bagging it’’ it will quickly become second nature.

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Healthy Living & Eating Tagged With: Back to School, easy school lunches

Prepping for Dorm Living

August 5, 2015 | 1 Comment

When you're getting ready for dorm living there are a few basics you're going to need. Here's what to expect and where to find the best deals.My newsfeed on Facebook is full of comments about back to school related stuff. Deals found, questions related with starting school and parents looking for help about what they need for their university aged kids who are moving away for the first time.

Moving away for school is a big step in life. A big, expensive step too. Dorm living is slightly different than living in an apartment or other off-campus living. There are more shared quarters and depending on the style dorm, a room may either be shared (usually just one other person) or single (more money). Ideally you have a chance to actually view the units before you set out to shop. At the very least find out exactly what is included.

Dorm Living Basics

One of the biggest differences with dorm living vs off campus living is the dining hall. Though not always required, most people who live in a dorm eat within the dormitory cafeteria, limiting what you ‘’need’’ in terms of food prep and storage in your own living quarters. The downside to this is that the cafeterias aren’t open 24 hours a day and sometimes circumstances come up that you don’t want, or simply can’t get to the food when it is served. For this reason I think it is a good idea, regardless of the food situation at the dormitory, to get a few small appliances for your personal use.

Some dorm rooms are equipped with things like a mini fridge but most will require you to purchase your own. I personally wouldn’t move to a dorm without the use of my own personal mini fridge (shop after Christmas sales!), a hot plate to do things like boil water or heat soup, and a toaster oven to cook a few small things in. I personally can get by without a microwave easily if I have access to a hot plate and toaster oven but some may also want that. None of these things are very expensive at full price but knowing you may require them gives you time to shop around.

Where to Buy Dorm Room Gear

Garage sales or online classifieds may be your best bet. Start searching in May when other university and college students are moving out and looking to offload their items, you may score some wicked deals. If you don’t have any luck- wait until the few weeks leading up to school and your big box stores will likely have sales.

In terms of cutlery and plates, hit up your local dollar store or second-hand store. Dorm living is not the place to have nice, quality stuff. If you don’t already have a few basics you can take from home (a few dishes, cutlery, a small pot) don’t waste your money on expensive stuff, it’s just not worth it! If your roommate has a friend over and they break a glass you don’t want to have to worry about it!

Though I think you can decorate your dorm with a lot of the things from your current bedroom, the only other things you may need unique to dorm living, is a good storage and organization system specific for small spaces (think under the bed, or small floor shelf). You may also need a few cheap things like shower shoes if you’re in a dorm with shared showering facilities and are concerned with germs (not a bad idea).

Dorm living has many pluses, especially for a student moving away from home for the first time and looking to get established somewhere, but it’s not as cheap as some people make it out to be by the time you add up all the additional costs on top of the actual fee for living on campus. Like anything, with a little effort and time you should be able to find everything you need within your budget.

If you lived in a dorm what did you absolutely need?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Education Tagged With: college life, dorm living, dorm rooms

Planning Out a ‘’Big Girl’’ Bedroom on a Budget

July 29, 2015 | Leave a Comment

Our daughter is quickly outgrowing her room. So, we've decided to do a big girl bedroom on a budget. Here are budget friendly decorating plans.I have finally come to terms with the fact that our three year old has outgrown her bed. We have a crib that converts to a daybed and finally, with the help of a conversion kit, you can turn it into a double bed headboard and footboard. She has been out of her crib for a while now and has been sleeping in the daybed but it’s getting to be tight quarters. I have been finding her hanging off the edge the last few weeks and she’s a pretty small kid.

Other than needing a new bed, redoing the rest of her room really is not a necessity but rather something we’d like to do for her. When we did her bedroom up initially we didn’t put anything ‘’too babyish’’ on the walls or anything we couldn’t easily remove, really other than the crib which now needs to go (we’re not buying the conversion kit or double mattress) it’s just changing a few of the decorations.

She received a little money for her birthday last month with instruction to use it for something that she needs, that something will likely be put towards a new bed followed by updating her bedroom a bit from the baby stuff to a slightly more mature room.

Thankfully she still loves the color of her walls (purple) so we don’t need to paint for a while (mom and dad are glad!). We need a new bed, maybe something on her walls to replace the two or three things we plan on removing, something to help with storage and materials to redo her dresser.

My goal is to get all of this (including new bed) for less than $400. Here are our plans to make a big girl bedroom on a budget.

Saving on a Bed and Mattress

I’m all for buying used for most things in life but I won’t buy a used mattress so we need to shop the sales. We’re only getting her a twin bed though so that will save some money (and space in her bedroom) and the beds we’ve been looking at don’t require a separate boxspring.

We haven’t yet decided if we will be buying a bed or making one though. I have found some blueprints to make a loft-style bed but I suspect for what we’ll pay in wood and supplies, we will be able to buy a twin bed somewhere (also the advantage of time with buying).

Homemade Wall Art

For the walls, instead of buying fancy prints at a department or home goods store, we will probably check out Etsy.com or even make something myself (like a collage of her art which can be swapped out). There are a million great ideas on Pinterest that can be checked out.

Other Problem Areas

Her dresser is an antique that was handed down to us. While I like the functionality of it, I don’t love the look so I would like to somehow fix it up. It has some wood veneer on it which makes it kind of difficult to redo. I need to spend some time investigating how to work with this product before I was time and energy on it.

I don’t think we need too much for additional storage. Most of the storage issues in her room can be solved by us going through and organizing her closet better. Our entire house has a lack of storage issue so closets often have multiple uses. Unfortunately for us though, she really does need the closet to be just dedicated to her things so the stuff that I have stashed in there needs to be moved.

Updating your kids room doesn’t have to cost a fortune. Even if you wanted to do with an all-out themed room you’d be amazed what you can get at places like dollar stores. I know it will be tough but I think we’ll be able to do it within our budget!

Have you re-done a kids room? Any tips for places to score deals?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Home and Living, Money and Finances Tagged With: big girl bedroom, budget decorating

Planning a Road Trip with a Toddler

July 22, 2015 | Leave a Comment

Planning a road trip with a toddler? If so, find out how we beat boredom, take of potty breaks, and plan snacks!This week we will be embarking on our first family road trip with our toddler!

We travelled a bit when she was a baby but now that she’s an active three ear old I suspect things will be a little different. Things like potty breaks and dealing with the ‘’I’m bored’s’’ and ‘’are we there yet’s?’’. Maybe I’m wrong but I’m certainly expecting our trip to take slightly longer with her in tow.

Potty Break Planning

Dealing with the potty breaks shouldn’t been too bad if I make sure she goes before we leave and limit her drinking in the car. I have a pretty good idea of what she can consume before she really has to go. We’re heading to an island that you can get to via bridge or ferry and we’re opting to take the ferry to break the trip up a bit. Take the ferry is also a guaranteed way to break the trip up. We’ll be able to get out of our vehicle and walk around a bit.

Taking a ferry isn’t possible for most road trips, I understand that. I have a friend who, when travelling with her (very active) son breaks up their trips by stopping at WalMart. She jokes that they’re easy to find off any major highway and a guarantee to be able to use the washroom and walk around for a few minutes. It also works with (sometimes necessary) bribes by enticing them with something small if they behave (for her son it’s usually a pack of superman stickers or bandaids). Whatever you need to do to break up your trip, planning your route ahead of time and plotting out all potential stops for emergency bathroom breaks may save your sanity!

Boredom Busters

Dealing with the boredom isn’t such an issue in 2015 with the technology that is available. It’s not unheard of for vehicles to have televisions built right in them! Since we don’t have that luxury, my husband is preloading the family tablet with child appropriate games and videos. Since she doesn’t play on the tablet often it’s usually well received when she does get time with it.

Before we break out the tablet (which is guaranteed to suck her attention) I packed a ‘’car bag’’ full of activities for her to play with. This includes a few books, a notebook for her to color in (along with markers), stickers and a coloring book that’s in a car case for her to be able to color on her lap easily. I suspect this will keep her busy off and on for a while, or until the stickers run out.

Snack Solutions

We also have snacks for the car which I’m sure will be a hit. Snack choice will vary depending on age, for us my biggest thought is mess control. At three, we’ll stick to easy finger food like blueberries, popcorn, cheese strings and crackers. Things like granola bars and yogurt are too messy in the car (at least for my kid) and I’m not interested in dealing with it quite honestly!

With a little extra planning a family road trip with a toddler can be a lot of fun but if you forget to plan for things like potty breaks it can quickly turn into a nightmare!

Any tips for planning a stress free road trip with a toddler?

Catherine
Catherine

Catherine is a first time momma to a rambunctious toddler. When she isn’t soaking up all that motherhood has to offer, you can find her blogging over at Plunged in Debt where she chronicles her and her husbands journey out of debt. You can also follow her on Twitter.

plungedindebt.com

Filed Under: Family Time Tagged With: family vacation, planning a road trip

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Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
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