Kids Ain't Cheap

But They Sure Are Worth It

How Much Are Senior Pictures?

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How Much Are Senior PicturesAlong with the costs of college, graduation parties, and other high school senior expenses, parents everywhere are asking another question: How much are senior pictures?

That depends on several variables, such as where you live, what type of portrait package you choose and on the type of pricing system the photographer uses. Here are some helpful tips to get the best deal on senior pictures for your high school graduate.

How Much Are Senior Pictures?

The Photographer Element

Professional photographers generally work in one of two ways:

  1. They make their money off of the time spent at the photography session.
  2. They make their money off of the photographs a client purchases.

The first type will charge a higher fee (usually between $500-$1500 depending on where you live) for the portrait session itself; however, the session generally includes all rights to the photos. The client is given a photo book contain proofs of the photos along with a CD or MP3 format of the photos (or online access). They can have pictures printed anywhere they choose.

The second type of photographer will have a lower fee for the portrait session (often varying between $50-$200). One key difference is the photographer retains all rights to the photos until you’ve purchased a portrait package directly from them. In that case, the printing of the portraits is usually a lot more expensive. The quality of the printed photos will likely be better as well.

Determining Which Photographer is Right for You

There are several steps you can take to determine which photographer is best for your child’s senior portrait needs.

Shop Around

It’s smart to call several different photographers and get the details on their pricing before making a decision. When shopping around, be sure to ask to see samples of their work and ask if there are references you can call as well. Getting suggestions from the parents of your child’s fellow classmates can be helpful too.

Decide How Many Printed Pictures You’ll Need

Knowing how many printed pictures you’ll need can help you decide which type of photographer to use. If you’ll be printing quite a few copies you may want to go with someone who includes rights to pictures as a part of the portrait sitting session.

If you aren’t expecting to print many copies of pictures it may be more cost-effective to go with a photographer who prints the pictures themselves and charges a smaller sitting fee. Add up the cost based on the photographer’s printing charges before making any decisions.

Discuss Portrait Venues

It’s important to discuss with your child and with any potential photographers where you’d like the senior pictures to be taken. Is there a favorite park or other location your child wishes to be photographed at? Do they want to include a family pet in some of the pictures? Some photographers charge an additional fee for including pets or for taking pictures at off-location places such as parks.

Alternatives to Professional Photography

If there’s someone in your life who has a knack for photography but isn’t a professional, you may benefit from hiring them. They would most likely provide a more affordable rate for a portrait sitting session.

With a bit of research, the question, “How much are senior pictures” no longer has to be a mystery. Instead, it can be a fun and affordable experience for parents and students alike.

How do you save money on professional photography?

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How to Save Money On Birthday Parties (and Still Have a Great Time)

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How to Save Money on Birthday PartiesPinterest is a magical place for party planning, especially for kids’ parties. Due to the unspoken pressure created by social media, DIY-themed events can become a financial sinkhole quickly. That’s why I’ve put together how to save money on birthday parties, and still have a great time.I’ve seen

I’ve been the Pinterest mom, scouring professional cake designs and theme-consistent decorations, utensils, favors, mascots, and skywriting airplanes. OK, maybe not the last one. I’m not saying you shouldn’t have fun stuff; I’m just saying sometimes we all need to step back from the culture of excess that permeates the internet and reboot.

We all need to take a moment and remember how things were when we were kids. No Instagram filters. No professional photographer.

I’m talking homemade sheet cake with mismatched birthday candles. Party hats made from construction paper. Running around in the backyard with friends.

We didn’t have many elaborate birthday parties growing up. But every birthday, large or small, was great. Odds are, your kids will feel the same way, too.

So here are a few ways to lift some pressure off your shoulders, save money, and have fun.

How to Save Money on Birthday Parties (and Still Have Fun)

1. Scale back.

Not every year needs to include a birthday party with 20 guests, a main course, three dessert options, and a bouncy castle in the back yard. For example, my daughter turned four shortly after Christmas, so we had a simple celebration at home with her grandparents. She helped me bake a cake from scratch and got a kick out of sticking the four candles in the cake, herself.

She’ll have bigger parties in the future, but I believe it was good for her to have a simple celebration with family this time. She had so much fun, and it certainly saved us a small bundle.

2. Give experiences.

One of our gifts to our daughter this year was a playdate at one of her favorite indoor bounce house entertainment centers. There was a discount on Groupon, so we set the date, invited friends, and enjoyed an afternoon together. You could even do this at a later time instead of a large birthday party.

To learn of discounted events in your area via Groupon, click on their website and type in your city. These deals fluctuate constantly, so make sure you check in from time to time.

3. Utilize the power of the Dollar Store.

Perhaps you’ve chosen your party theme and it’s time to pick out decorations. When I threw a “Thomas & Friends” party, Amazon had bundle upon of bundle of great decorations. My cart was filling up quickly. I finally realized I could buy a few of those items in generic colors and they’d still tie into the theme.

That brings us to the power of the Dollar Store. If you want to save money on birthday parties, don’t force yourself to make every item match perfectly. You can have plain, white cups and napkins to go with your Frozen theme. Plastic table cloths are another great example where solid colors work well.

If you have a budget for party items and need to save money, try out a few of these suggestions and see how they go. Like I said before, it’s great to have a party and celebrate your child, but you don’t have to go all out just to make them happy. Kids come predisposed to love birthday parties.

How do you find ways to save money on birthday parties?

Image via Alvimann (MorgueFile)

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Raising A Child On A Budget: How To Save Money And Be A Happy Family

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father-daughter-1476167_640Today we have a guest post from Jon, a personal finance blogger and father.

I’ve read the stories about how much it will cost to raise a child. The latest information I found was from 2013 and that number was $245,000. Of course, having a family is priceless so the cost of raising kids shouldn’t even enter the equation, right? But what if you and your spouse have grand dreams of retiring early? You both want to leave the 9-to-5 behind as soon as possible. How will that dream be affected by having children and raising a family?

For my wife and me, so far it has not impacted us greatly. Granted we only have one child and she is just 7 months old. But we have been smart with our finances while still providing for her needs. Last year, we were able to save over $30,000. This is with my wife not working for 4 months while on maternity leave.

How have we been able to buy things for our daughter and still save money in the hopes that we retire early one day? Below are the things we have done to save money. This list will be changing as our daughter ages and when we add another one into the mix, but some of the tricks we use should continue to work for years to come.

Tricks We Do To Save Money Raising Our Child

Clothing

This is probably the biggest expense for most first time parents. You get sucked into the cute outfits and buy, buy, buy. We don’t. At first we did. But she grew so fast, 90% of the clothes we bought she outgrew before she could wear. So we learned quickly that it’s just not worth it.

When we do buy clothes, we buy what is on sale or clearance. We also tend to put her in some clothes that are a little too big for her and just roll up the sleeves. You can easily get 3 onesies on clearance for under $10 at most places.

For special occasions, like holidays, we look for a cute dress on clearance. If that doesn’t work, we go to a Mommy Market and find clothes there.

Food

When it comes to food, we have gone the old-fashioned route and breastfeed. My wife also pumps and we freeze anything extra. In fact, our freezer has more milk than any other kind of food!

We just started to try out solids and our plan is to make the food ourselves. We head to the local grocery store that has the lowest prices on produce and buy what is on sale. So far, we have been feeding peas, bananas, sweet potatoes and carrots.

After we buy the food, we steam it, mash it and freeze it. It’s a little more work, but a lot cheaper in the long run. For example, a bag of baby carrots is $0.99 and that gets us 3-4 meals for her.

Diapers

We were considering cloth diapers before we had our daughter. But the thought of washing them just turned us off so we use disposables. How do we save money on diapers?

First, we comparison shopped. We figured out who had the lowest price for Pampers in our area. It is a grocery store. So we buy them there and always use a coupon. Most times the package of diapers has a coupon inside. We also find coupons in the ads that come in the mail. We combine this with our American Express Blue Cash Card and get 6% cash back at grocery stores.

In some cases, we turn to Target as well. Every so often, we get a magazine from Target in the mail with a $5 or $10 off coupon. We combine this with coupons we get in the mail for Pampers, along with our Target Red Card and get another 5% off.

Toys

Just like with clothes, we limit this area of spending too. We have a bunch of toys that she plays with and don’t buy new until she starts to show disinterest in some of them. Then it is off to yard sales, consignment shops or Mommy Markets to find toys in good shape for a low price.

How We Save The Most Money

But there is one thing we do that has helped us really save money. When we had our registry, people bought us a good amount of stuff. We had doubles of some things and singles of other things that we just weren’t going to use.

So we went through everything and really thought about the gifts. Anything we weren’t 100% committed to, we returned. We got store credit and have used this credit strategically over the first couple of months.

For example, we bought a good amount of clothes without spending any of our money. We still stick to the clearance racks, just to stretch the money farther.

We also opened a credit card at Babies R Us where our registry was. It allowed us to get our daughter’s crib and dresser for 50% off. How did we do this? We used the discount we got from completing our registry, plus the discount for opening up the credit card, plus the discount for using the card on a certain day of the week.

Lastly, we take advantage of coupons. There is a Buy Buy Baby near us, which I didn’t know about. I also didn’t know you could use the Bed Bath and Beyond 20% off coupons there since they are owned by the same company. That is where we bought her car seat and were able to save 20%.

Final Thoughts

The costs for raising a child are significant. But if you are smart about things, you can save money so that you can still reach your goals, no matter what they may be. For us, the goal is still early retirement. But not for the same reasons as before.

Now we want to retire early so that we can be around for our daughter and any future children. We don’t want to be stuck behind a computer screen until 9pm and miss out on our child’s life. After all, they are only young once.

Jon blogs at Money Smart Guides, a personal finance site that helps readers pay off debt and start investing for their future.

The Biggest Childhood Expenses You’re Likely to Face – Ages 0 to 5

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Children are a gift.They make us laugh, they make us cry and they make our lives worth living. On the flip side, children are also one of life’s greatest financial expenses. If you’re a new parent or will be soon, it may seem like you hear about a never ending list of things your child needs. Today I’m breaking down the biggest childhood expenses from age 0 to 5.

The Biggest Childhood Expenses You’re Likely to Face

Age 0 to 1: Diapers

Diapers are expensive. Not only is the price daunting ($20+ to $40+), the amount that a new parent goes through can be astounding. On average, a baby will go through over 2,000 diapers in his or her first year of life.

How to Save: To get a leg up on that expense, open a second checking or savings account just for baby expenses. Drop an allotted amount of cash in the account every month. You’ll soon have a steady cash flow for that expensive diaper fund.

Age 2 to 3: Day Care

I have known day cares to charge under $200 a week, to up to $1,000 a week depending on the region. For example, the $1,000 dollar a week

For example, the $1,000 per week day care in my area caters to the children of doctors, judges, lawyers and prominent corporations. However, no matter if you are a high-income earner or average Joe, day care can be brutal on a family’s budget.

The average cost of day care in the U.S. is $11,666 per year. However, the range can fluctuate depending on the area you are in between $3,582 to $18,773 a year.

How to Save: Sometimes you can offset the cost a little if you:

  • Consider working at a day care to receive an employee discount.
  • Find a center that offers a discount for siblings.
  • Price the cost of living and decide if it’s financially healthier for you to work less and stay home with your child.

Age 4 to 5: Preschool and Health Care

Depending on where you live and the quality of the school, the price for preschool could be very high. The average cost of sending your child to preschool is between $4,460-$13,158 per year.

Health care is another big expense, especially in the early years. Not only do little ones get sick more often because their immune systems are not built up, but other health care expenses can arise too. Things like special therapies (speech, occupational, etc) or disabilities may not be covered under some insurance plans. Special surgeries or uncommon injuries may not be covered, either.

This means parents have to pay outrageous amounts of out of pocket expenses for things not covered under their plan.

How to Save: Find out what your insurance plan does and doesn’t cover. Consider opening a Health Savings Account and stockpiling it for unknown health-related expenses. The great thing about an HSA is that its contributions are tax deductible.

In Conclusion

There are many things to think about when you have a new baby. Focus on the biggest childhood expenses and figure out how you are going to best navigate each one. This will help to ensure a financially sound first five years.

How do you save money for your family’s biggest childhood expenses? Share one or two ways with us below.

5 Homemade Baby Food Hacks

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If you're just getting started in the world of DIY baby food, here are some homemade baby food hacks that will help you get started.I once saw a hilarious depiction of the five types of moms you meet: The PTA mom, Parenting Expert, Crunchy Mom, Hipster Mom, and (my favorite) Hot Mess Mom (see the video below). Despite my best efforts, I identify with the Hot Mess Mom racing to the meeting with stains on her shirt and yesterday’s hairdo going in every direction – which is why you need to know these homemade baby food hacks I’m going to share AREN’T just for the uber-crunchy, hipster, always-put-together moms.

You and me, on our worst days, can pull these DIY hacks off, mama. I guarantee it.

[youtube https://www.youtube.com/watch?v=tOQViEZOwGk]

5 Homemade Baby Food Hacks

When my daughter was born in 2013, we were slightly broke. We let go of my full-time income and benefits after my transition to a part-time position, and our health insurance plan went through the roof.

My husband supported us while I supplemented our income doing childcare, consignment sales, and eventually, launched a career from home as a freelance writer. Throughout that journey, frugal living became a mandate in our home. When I began researching ways to cut costs with an infant, I realized even a “Hot Mess Mom” like me (which, I’m convinced we’re all a hot mess on any given day – which makes us fabulous) could start doing DIY hacks in my home.

Baby food was a huge win. Besides breastfeeding for a full year, making homemade baby food was probably the largest money saver we unearthed (cloth diapers are also a great way to save money – but we rented our home and didn’t want to ruin the landlord’s washing machine…).

Here are five ways you can hack your way into the homemade baby food scene:

1. Don’t rush.

I’m no pediatrician, so please don’t assume this will be the case for you, but when the doctor says to start feeding your child solids when she’s six months old, you may do well to wait. Babies have their own timeline, and as long as they’re receiving full meals via breast milk or formula, they have the nutrients they need before their first birthday. “Food before one is just for fun,” as they say.

You could save tons of money by simply following your baby’s lead instead of forcing her to eat solids too early. When my son spit out every morsel of baby food I offered at six months, I got the hint to chill out. He was in the 98th percentile for height and weight entirely from consuming breast milk and refused solids until he was 11 months old.

The doctor’s only concern after I explained my son’s lack of interest was that he continue learning his motor movements with a spoon or fork. So I gave him plastic ware to tinker with in his high chair during our meals, and he loved it.

Every baby is different, though. When my daughter turned six months old, she watched my plate of food like a shark. I introduced her to solids shortly after that and she devoured them, happily.

Don’t feel the pressure to force your baby to eat solids if he’s not digging it, yet.

2. Start with an easy “superfood.”

Making homemade baby food feels like a huge undertaking at first with cooking, pureeing, freezing, and labeling everything. It can, however, begin more simply.

Try some superfoods that are basically ready to eat, like a banana, avocado, or peach. You don’t have to start with peeling, gutting, and broiling a gigantic butternut squash (although, once you’ve gotten your feet wet, it’s extremely healthy for your baby and not as harrowing as it sounds!).

3. Introduce one new food at a time.

To avoid the risk of allergies, it’s wisest to only introduce your baby to one new food at a time. You may think Tiger needs more variety and that you aren’t being kind by feeding him any other solids except softened carrots, but he’s doing fine.

Babies’ taste buds are developing and each new flavor, no matter how bland, is a vibrant experience to them.

4. You don’t have to use the fancy, expensive equipment.

Sure, companies have produced the perfect gizmos for homemade baby food hacks, but you don’t have to have them. Go ahead and register for a brand new Ninja or Magic Bullet, as well as baby food freezer trays that come with a lid.

If, however, you don’t receive them or don’t have the money to buy them right now, your existing blender, some ice cube trays, tin foil and a Sharpie did the trick for me.

5. DIY when it makes sense.

I started to get pretty good at making all sorts of baby food, but I finally reached my limit when it came to snack pouches. If you browse your grocery store’s baby food aisle, you’ll find a huge selection of pouches that are often organic with two to four healthy ingredients in puree form. The pouch is designed to be mess-free, can be stored anywhere before it’s opened, and exposes children to healthy foods they might not otherwise eat. All for $1 to $2 each. With coupons, I can easily get each pouch for less

The pouch is designed to be mess-free, can be stored anywhere before it’s opened, and exposes children to healthy foods they might not otherwise eat. All for $1 to $2 each. With coupons, I can easily get each pouch for less then $1.50.

The thing is, you can do all of that from home if you want. You can buy reusable pouches that look extremely challenging to clean, as well as those unique ingredients like organic purple carrot or amaranth.

Then, you can cook and puree each one individually and fill your snack pouches with any combination you want.

I need a nap just from typing all of that. For a $1, it’s worth it for me to simply buy the snack pouch (sorry, environment).

Do the DIY thing when it makes sense. Don’t beat yourself up if your friend serves her family home-grown, organic rutabaga, kale and goat cheese for every meal. Start where you can and remember: Fed is best. Simple as that.

What are some homemade baby food hacks you’d like to share? Tell us in the comments below!

Image Credit: thesuccess (MorgueFile)

How to Empower Your Child to Avoid the Burden of Debt

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How to empower your kids to avoid the burden of debt when they grow up!How many twentysomethings do you know starting their post-collegiate lives with six figures in student loan debt? How many times have you seen the burden of debt harm relationships, set back dreams, and perpetuate a lifestyle of “just getting by?”

Has that ever described you?

I’ve experienced student loan debt, overspending my budget, racking up credit card debt, living paycheck to paycheck with no savings accounts, and fear about tomorrow because of debt.

Our culture isn’t so hot at teaching kids how dangerous debt can be, only how to accumulate it. I’m part of the blame because it was once my job to sell credit cards and car loans when I worked at a bank.

In 2012, my husband I paid off our last non-mortgage debt and couldn’t believe the freedom it afforded us. Having a taste for that made us decide to raise our children with that same debt-free mentality.

How to Empower Your Child to Avoid the Burden of Debt

Lead by example.

How did your parents handle money? If asked, could you list a few specific memories you have of their financial habits (good, bad, or ugly)?

If I had to guess, I’d say you remember quite a bit. Your kids will, too.

What you do with your finances, how you behave under stress, and how you treat others is all under frequent observation if you’re a parent.

It’s not all scary, though. If you choose to lean into this process, to do the best you can to lead a good example for your kids, the benefits are two-fold:

  1. Your financial habits will improve the more intentional you become. Your debt load will decrease and your future outlook with your family will look brighter.
  2. You will make a long-lasting impression on your kids of what healthy financial habits look like. As I stated early, they’re bound to remember a great deal of it.

Don’t put it off.

I once interviewed a father of seven who took the time each year to teach his kids about taxes. His reason?

I think one of the best things you can do for your children is to teach them about independence. Independent people earn a living and don’t come back to borrow money from mom and dad when they are in their thirties.

We try to prepare the children for the reality of adulthood by creating a culture that emulates the real world.

This father created jobs for each of the children to do around the house that would earn them a paycheck. He also implemented what he called the “Dad Tax.” Before each paycheck was distributed, he took out a 25% Dad Tax that went straight into the child’s savings account. Around tax time, he gave each child the option to have that money back as a “tax return” just like they would in the real world.

I didn’t know a thing about taxes until I was 20. How cool is it that this dad took on such a grown up topic and implemented it into his home while his children were young?

What’s the takeaway?

  • Start the conversation. It’s never too early to talk to your children about debt and the huge impact it can have in their lives.
  • Your kids are already watching. Be mindful of your actions and try your best to lead by example with your own day-to-day financial decisions.

Bonus Reading: “Money-Saving Tips for First-Year College Students”

What’s one lesson you’d like your children to learn that will help them avoid the burden of debt?

Image Credit: Xochi Romero (UnSplash)

If I Let My Baby Run the Budget

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If I let my baby run the budget...things would definitely work differently...If I let my baby run the budget, things would work a little differently. Have you ever given such a funny thing a thought?

Let’s see…

If I Let My Baby Run the Budget

We’d buy the grocery store’s entire milk supply, I’m quite sure, skipping all the other aisles.

Sleepwear would replace our normal attire. We’d quadruple our sock supply.

If I let my baby run the budget, diapers would line the walls (in infant and adult sizes…). Enough for five to seven changes a day, right?

Pillows and blankets would also see an uptick. There would most likely be a fresh set in every room (and vehicle). After all, she’d be budgeting for all of us to take one to three naps every day (not bad at all).

What Wouldn’t Show Up On the Budget

As I thought about all the things my baby would buy if it were up to her, I realized something. The list was far shorter and simpler than mine.

If I let my baby run the budget, there wouldn’t be a column for snacks, caffeine, or Hostess cupcakes. It’s sad, but true. There would eventually be an interest in fresh produce, namely bananas, avocados, and sweet potatoes. I’m thinking a juicer would show up on the scene with some pretty rad smoothie cups for each of us.

No cable bill or RedBox late fees would pop up on our statement. Collectors wouldn’t rag us about our debts because we wouldn’t have credit cards. There wouldn’t be stacks of fast food receipts or empty Starbucks cups because we’d eat every meal at home.

In fact, very little would be spent on organized recreation at all. A baby’s favorite place to be is in the arms of the one she loves, after all.

We’d save a fortune on toys and gizmos, too, if I had to guess. Her favorite pastimes are chewing on table legs, plastic spoons, wooden blocks, and mommy’s fingers, so there wouldn’t be much need for anything else.

What gas we did buy for the car would be used for those milk runs I was telling you about and trips to her happiest home away from home: Grandma and Grandpa’s house. Lucky for her, grandparents love traveling to see their grandkids, so a barter agreement worked very well in her favor to save on gas.

If I let my baby run the budget, I bet I’d learn a thing or two about life through the eyes of my child. I bet I’d realize how expensive my expectations are for the type of life I think she should have. Contentment would stop eluding me. We would shut off our devices and look at each other, again.

If I let my baby run the budget, it could be the best thing that ever happened to us.

The only problem would come if we ever decided to have another baby…I’m guessing she wouldn’t be too keen on changing her spending habits to move over for baby brother…

If you let your child run the budget, how different do you think your finances would look?

How to Pay for Vacations and Holidays Without Debt

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Here are some ways I'm planning to pay for vacations and holidays without debt this year.The average summer vacation costs $1,200, according to CNN Money. A recent Gallop poll discovered that the average spent on Christmas is $830 with 30% of shoppers intending on spending over $1,000. How on earth are people supposed to pay for these pricey transactions like vacations and holidays without debt?

One way to help prevent such a setback is to run the numbers like I’ve done in the estimates above. Could you imagine going at least $2,000 into debt each year just for holidays and travel?

What if, instead, you made a pact with yourself and your family only to use money that you’ve saved for the occasion?

It would take a plan. Let’s unpack that one now.

How to Pay for Vacations and Holidays Without Debt

The primary tool that will be your strongest ally in all this is your mind. If you can change your mindset to do the following, you’re well on your way to living a life with less debt:

Don’t keep up with the Joneses. They’re probably up to their eyeballs in debt.

My husband and I drive around with our children looking at Christmas lights every year. One year, I took him to a wealthy neighborhood filled with massive homes on manicured lawns. Each house was adorned with elegant crystal-like decorations with a massive tree in their grand living room.

You get the picture.

When I was young, I used to think of that neighborhood as the richest part of town. I used to think, “These are the people who figured it out. They have it made.” Now that I’ve tasted debt and scratched my way back out, I look differently at shiny cars and grand houses. Perhaps these people did save up for every penny and are doing great. But, debt is so accommodating that they really could owe money on every item they own, right down to their shoes.

Don’t assume people driving shiny cars “have it made.” You may be craving a lifestyle they can’t afford, either.

Automate a year-long savings plan.

Holidays and vacations are not surprises. If you can open a Christmas Club account at your bank or open a savings and drop $50 in it every payday, you’ll be so far ahead of the game when it’s time to travel or shop. We don’t even put that much away and it forces us to be more frugal with our holiday shopping. Which brings me to my next suggestion to save up for vacations and holidays without debt.

Bonus Reading: “5 Ways to Spend Less On Christmas Gifts for Kids”

Be intentional about fewer presents.

When I first heard the 4-gift idea for Christmas, I wasn’t sure I wanted to do that for our kids. Then I realized my alternative was to “buy them whatever” which is a terrific recipe for not being intentional and for breaking the budget. The 4-gift idea is to buy them only four presents in the following categories:

  • Something they want
  • Something they need
  • Something they wear
  • Something they read

I’ve never been more intentional with my gift giving than I was that year. Turns out, the item my daughter “wanted” was the least expensive gift I bought. But, it’s something she still uses every week.

So, the lesson this taught me was that my kids don’t need gobs of presents. They don’t need expensive presents. What makes them feel loved is the intention behind the giving.

You don’t have to spend $830 on Christmas this year, or any other holidays.

If, however, you do want to spend more on a big trip or nice presents (and that’s certainly your prerogative), then save early and do what you can to avoid debt. I’ve tried this both ways and can assure you that the memories are sweeter when debt doesn’t linger behind them.

For further study into this topic of debt free living, I suggest you pick up a copy of “Debt-Proof Your Christmas: Celebrating the Holidays without Breaking the Bank” by Mary Hunt. It’s filled with lots of ideas for saving money during the holidays and not paying for them later.

Do you agree with the idea of having vacations and holidays without debt? Share your thoughts below!

Image Credit: Leo Rivas-Micoud (UnSplash)

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5 Quality Baby Items That Are Worth the Investment

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If you want to know what quality baby items are worth the money, I definitely recommend this list!In 2014, my husband and I had two in two years. We also lived on less than $2,000 per month. Having a lot of baby things simply wasn’t an option during that season of life. However, we did save up for a number of quality baby items, and I’m glad we did.

We may not have had new living room furniture or all new kitchen appliances, but if there was something costly that got its money’s worth for our kids, then it was money well spent.

5 Quality Baby Items Worth the Investment

Hear me out. One thing we did not do is go into debt to purchase these items. Nor did we dip into our emergency fund. Either option would have been so much easier. Instead, we opened a checking account with no minimum balance required and labeled it our “Baby” account.

Each month, we’d budget an allotted amount into the account. Having it separate from our primary checking helped protect that money from being mishandled.

We saved up, used coupons, used gift cards, or we said no to the purchase.

There are so many different brands of these products, but here are the ones we chose and that I recommend.

1. Fisher-Price Rock ‘n Play Sleeper

We kept our babies in this Rock N’ Play throughout their entire newborn stage. It was so nice to have them right next to our bed at night, elevated so they could probably breathe when congested. Another perk was how lightweight the product was. After I had an unexpected c-section with my second child, I had a major weight restriction during the first several weeks. The Rock N’ Play was easy to fold and transfer from room to room.

2. Medela Advanced Breast Pump

I made the choice before my first child was born to breastfeed. I was still employed at my banking job during that time, so have a reliable and efficient breast pump was crucial. Since that time, the government has made it much easier to obtain breast pumps for free or to receive reimbursement on a purchase. Definitely look into that. If you can’t get one (a QUALITY one) for free, then I highly recommend this product. It hasn’t given me any problems and I was able to breastfeed both of my children for at least 12 months.

3. Aden + Anaias Swaddle Blankets

The features I love most about these swaddling blankets is that they’re sheer which reduces the risk of suffocation, and they’re large enough to do a full swaddle on a baby throughout the first six months to a year. My 2-year-old son still chooses his Aden and Anaias blankets to sleep with over any other bedding.

4. Braun Ear Thermometer

If you’re up at 2:30 AM with a screaming, feverish baby, you need a reliable thermometer that will tell you exactly what’s going on, every time. I tried the cheap route at first, using a knock-off thermometer under the baby’s armpit (try getting a fussy baby to keep his arm down long enough to get a consistent reading). Finally, I realized it wasn’t worth the risk of misdiagnosing. High fevers can spike at any time. I’ve caught each of them in time with my Braun ear thermometer.

5. Wooden Toys

What I love about wooden toys is that they’re made well. My parents grew up in the era of wooden or metal toys. I was raised throughout the dawn of plastic. To see the difference in toys like Melissa & Doug and many others is very refreshing. I head straight to that aisle every time I buy a gift for a baby shower or child’s birthday party.

What quality baby items are you grateful you purchased? Share in the comments below!

This post contains affiliate links.

Image Credit: Gaelle Marcel (UnSplash)

5 Ways to Save Money on Diapers Using Amazon

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If you're already a fan of online shopping, then here are some great ways to save money on diapers using Amazon.Every parent knows having a child drastically changes your finances. One of the largest expenses to enter the picture is diapers. It’s a fixed expense for the first three years of a child’s life, right? So, how can we save money on diapers?

The list is long. I wrote a post about this earlier called “How to Save Money on Diapers.” That would be a good place to head once you’re done here.

Since there was more to say after writing that first article, I decided to write a follow-up post specifically talking about Amazon.

5 Ways to Save Money on Diapers Using Amazon

I’m not saying you should only shop at Amazon for your diapers. I actually buy mostly off brand diapers in bulk at places like Target or Costco. That’s just how I do my shopping.

If you’re a pretty active online shopper looking to save money on diapers, then give these tips a try.

1. Subscribe & Save

No Prime membership required. All you do is sign up for Amazon’s Subscribe & Save program and choose from their selection of products. If there is something you need regularly, like paper towels or diapers, then subscribe. They’ll show up on your doorstep on the selected date saving you up to 15% off each time.

2. CamelCamelCamel.com

Want to know when diapers are at their lowest market price? Head over to CamelCamelCamel.com to find out. Enter the name of the product and look at its track record of the last year. That’ll help you determine when it’s best to shop next.

3. Price Tracker App

Do you prefer shopping on your mobile device? Save money on diapers by using the Price Tracker App. If you have Amazon’s store app already on your phone, then you have the Price Check feature within that app. That is a second method you could use to save money on your phone.

4. SnagShout.com

Find deep discounts on Amazon products on SnagShout.com. I first described SnagShout as a great resource when you’re searching for frugal Christmas gifts (read the full article here). But SnagShout can also be great for everyday items that aren’t quite as exciting but cost just as much green stuff in your wallet.

A.K.A. diapers.

Up until October 2016, SnagShout users were required to leave a review on Amazon in exchange for receiving the deep discounts on products. However, the policy was revised to reflect Amazon’s choice to make it illegal to require anyone to leave a review.

So, now you simply need to check out SnagShout’s merchandise, find the kids & baby section and see if there are any cloth diapers or nursing covers or other gems up for grabs.

5. Register for an Amazon baby registry.

If you’re having a baby shower, then consider registering on Amazon. Some perks include: free 90-day returns, millions of products from which to choose, 15% off Completion Discount on eligible items for Prime members.

Plus, people have the option of giving Amazon gift cards. Combine those with the 15% off through Subscribe & Save and you’ll get a bunch of diapers for not a bunch of money.

Have you ever tried to save money on diapers online? What’s one thing that worked for you?

Image Credit: Janko Ferlic (UnSplash)

How to Save Money On Diapers

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Looking to save money on diapers? Here's how.After having two children under two years, I “get” diapers. We lived on a tight, single-income budget, so I’ve also done my share of deal hunting. It turns out, you can save money on diapers every time, if you know where to look.

Whether you’re raising a family, pregnant with your first child, or shopping for a baby shower, deals are constantly out there. They come in all shapes in sizes. I want you to leave this article with enough information to never pay full price for diapers again.

5 Ways to Save Money on Diapers

Crunch some numbers.

The best way to figure out how to save money on diapers is to start calculating the price per diaper every time you shop. Diapers come in so many different sizes, quantities, specialties, and brands, that it can be confusing to find the least expensive option.

You can calculate the price per diaper manually or by reading the store label for a “price per unit.”
This step is the foundation in educating yourself about how much money you’re actually saving.

BONUS TIP: Try writing the price per diaper on a piece of masking tape and placing it on your diaper box when you bring it home. That way, you can compare each purchase to see where you find the best deals.

Buy the largest quantity available.

When you calculate the price per diaper in any super market, you’ll usually spend more on fewer diapers. Do your best to buy the largest quantity available.

The only exception to this rule is if you have a coupon for a fixed amount like “$1.00 Off Any Pampers Diapers 52 Ct. Or More.” If you buy a smaller box of diapers, then that $1.00 will impact the price per diapers greater and may save you the most money.

Stores like Costco or Sam’s Club are great for buying larger quantities of diapers. Costco also has a terrific return policy. Pretty much anything you buy from them you can return in 90 days with few questions asked.

Recommended Reading: “Why a Costco Membership is Beneficial for Our Family”

Collect coupons or codes.

If you tear open a box of name brand diapers, like Pampers or Huggies, you’ll notice a rewards code on one of the diaper packs. If you enter those into the rewards site, you can eventually earn a discount on your next purchase. Coupons, whether in-store or via manufacturers, also add value to your savings.

Buy new diapers secondhand.

A new diaper is a new diaper. Even if you buy from a yard sale, a consignment sale, or on a Facebook garage sale, it’s still (HOPEFULLY) unused. The only time I’d ever consider buying a used diaper is if it’s cloth. They’re washable, reusable, much less expensive in the long run, and much friendlier to earth.

Stock up during a great deal.

One of my favorite ways to save money on diapers is at Target. Their Up & Up brand of diapers is consistently less expensive than the name brand competitors. Also, they routinely offer a $5, $10, and sometimes $20 gift card back to you for purchasing two large boxes. If you know your little one’s size and can afford stocking up on multiple purchases, you could earn some serious Target cash right at the register.

BONUS TIP: Don’t forget to use store apps to get the latest deals. Target’s Cartwheel is a great example.

How do you save money on diapers? Tell us in the comments below!

Image Credit: Juan Galafa (UnSplash)

5 Chores That Teach Work Ethic Principles to Toddlers

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Here are five chores that teach work ethic principles to toddlers.

“Chore” is a curse word for some kids. Perhaps you dreaded them, too, in your youth. What your parents, grandparents, and teachers were really doing was instilling work ethic principles in you as you learned what it means to grow up.

Now it’s your turn to pass it on.

Why start when your children are just toddlers, you ask? Isn’t it a bit young? They may be a little too young for learning how to file taxes, but they’re absolutely not too young to learn about helping out. Chores for 2- and 3-year-olds teach work ethic principles in the following ways:

  • Kids learn to be part of a team.
  • They learn responsibility.
  • They form good habits.
  • They learn listening skills.
  • They learn that they’re not entitled to “all play and no work.”

5 Chores That Teach Work Ethic Principles to Toddlers

Each of these chores is simple enough for a toddler to do, even though some may require a parent’s help. Supervise each task. Focus on your child’s obedience in doing the task more than how “well” he or she actually did it. Then, celebrate the completion immediately and enthusiastically. If you pay for chores, then pay your toddler right away.

Clean up toys.

Setting a brief time at the end of each day to pick up toys can help children learn a new habit. I typically choose one area of the house and assign my 3-year-old and 2-year-old to specific items. For example, I’ll ask them to just pick up all the books or all the trains or all the puzzle pieces. That helps them hunt for exactly what they need to pick up.

Bring dishes to the counter after meals.

One day, I was sitting at the lunch table, surrounded by bits of food and dirty dishes. The kids were racing around the house, energized by their meal. I realized that the only way for me to get some help clearing the table was to teach my kids to do it, too. So we implemented a new rule that each family member should carry his or her own dish to the counter. I shadow my youngest to make sure he doesn’t drop something on his foot, but the kids took to it right away.

Make the bed.

Can we all agree that this is an awesome, lifelong habit every kid should learn? Consistency is key in all work ethic principles, but there’s something universal about starting the day with a made bed. Plus, for whatever reason, my 3-year-old gets so excited to enter her room at bedtime and find her bed all nice and neat, waiting for her.

Put away shoes.

Do you have a designated place for shoes in your house? We have a coat closet. The moment the kids walk through the door, the oldest knows to take off her shoes and place them in the closet. The youngest can’t usually take off his shoes by himself, but he knows how to put them in the closet – which counts as a win in my book.

Dust the furniture.

You know what my kids love? Dusting the house with one of those Swiffer Dusters. It’s the kind with the handle and the fluffy guy on the end that looks like a Sesame Street character.

Not only does it dust much better than my previous duster – a rag made from an old tee shirt – but the kids get a kick out of it. It’s light-weight, is easy for toddlers to use, and pretty much gets the job done.

You can even make it talk while your toddler works, if you’re feeling especially ridiculous.

(I highly recommend any toddler activity with “ridiculous” in the description.)

Find it here for $23 at Amazon. You get a 3-foot extendable handle and 12 extra duster refills.

work ethic principles
Amazon

How old were you when you started doing chores?

Share in the comments below!

Image Credit: Ben White (UnSplash)

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