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Kids Ain't Cheap

But They Sure Are Worth It

Costco LEGOs Q & A: The Best Deal In Town or Not Worth the Trip?

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Costco LEGOs

Costco can be so beneficial for families. You can often find quality products at a great price. Their various organic food selection is an example. But, what about something like toys? More specifically, what about Costco LEGOs?

Worth the trip to find a deal or keep on looking?

LEGOs have been one of the most popular toys for boys and girls since their start in 1932. The colorful, interlocking bricks give kids a chance to put down their screens, engage their minds, and unleash their imaginations.

The problem is, buying new LEGOs can get expensive quickly. Sets that follow a certain theme, like Star Wars or Harry Potter, charge more than normal for the affiliation. If Costco is known for its competitive prices, then are Costco LEGOs the best deal?

Let’s do some Q & A and find out:

Costco LEGOs Q & A: Best Deal In Town or Not Worth the Trip?

Q: Does Costco sell LEGOs?

A. Yes. There is often an assortment of LEGO products available at Costco, although it does vary. You can also shop online at Costco.com. Overall, you will see considerably less variety than a place like Walmart, Target or Amazon.

Q: Why does Costco have less selection than other stores?

A: According to Costco’s Wholesale Disclosure:

Costco operates membership warehouses based on the concept that offering members very low prices on a limited selection of products will produce high sales volumes and rapid inventory turnover. This rapid inventory turnover, when combined with the operating efficiencies achieved by volume purchasing and reduced handling of merchandise enables Costco to operate profitably at significantly lower gross margins than traditional wholesalers.

Translation: Costco sells hand-picked, quality brands faster and with fewer employees than supermarkets.

After speaking with an administrative representative at my local Costco who declined being named for this interview, he explained that Costco doesn’t carry any particular product year-round. Their mission is to find the trend, buy it early, mark down the price considerably, and sell it at the peak season.

Q: How can I save the most money on LEGOs at Costco?

A: Knowledge is key. Costco’s LEGO selection is very limited during the first two-thirds of the year. Your best bet during those months is to glance at the selection online and keep in mind other options like Amazon or Walmart.

The best ways to save money in general at Costco are:

  1. Browse your monthly Costco flier. It’ll come to you in the mail right before the beginning of a new month and includes every sale, including toys.
  2. Sign up for email offers. You’ll receive exclusive coupons and deal alerts from Costco via email.
  3. Follow deal hunting blogs like Krazy Coupon Lady to receive the most up-to-date information about Costco products. For example, KCL created this detailed post on every LEGO toy available during the Christmas shopping season of 2016. Many of the LEGO products were discounted significantly!
  4. Sign up for an Executive membership.  If you don’t have a Costco members, definitely get one. By doing so, you’ll receive 2% cash back on every qualified purchase. At the end of year, you receive a check in the mail – redeemable only at Costco – for all the money you earned back.  Costco also has a ton of deals on travel, food and kids furniture.  You can get a Costco membership here, or you can click on the button below:

Get Your Costco Membership Here

In Conclusion

Is Costco the best place to buy LEGOs? Not until the holidays, and not if you’re looking for a wide variety.

If you just want to buy some new LEGOs within your price range, then I suggest using some of the money-saving techniques mentioned above.   The great thing about Costco is that you can’t loose, their return policy is outstanding. If you find a better price on LEGOs, and want to return them at Costco, they’ll probably take them.  So, keep your eyes open for a deal, follow a blogger who’s going to do the leg work to keep you informed during the holidays, and go find yourself a great deal.

What’s your favorite thing to shop for at Costco?

Image Credit: Roger Ahlbrand (Creative Common)

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What to Think About When Buying a Family Car

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A car is one of the most important assets that you can have, especially if you have a family. It’s also one of the most expensive, and for this reason, you have to make sure that you get the right family car. This will ensure that you don’t have to head back to the market in search of a car shortly after you get one because it just doesn’t meet your needs. Here are some of the considerations that you have to make so that you can be sure that you get the perfect car for your needs.

Safety Features

The first consideration that you need to make is the safety features that you need. This is even more important because you’ll travel as a family and so you need to be sure that your safety is guaranteed to some extent. When you get a safe car, remember that this shouldn’t stop you from practicing road safety as well. That’s because 61%, which is the majority of deadly car crashes, happened in urban areas, according to Wilson & McQueen PLLC. This should motivate you to do your best to make sure that the car you get is even safer for you and your entire family.

Entertainment Options

Next, proper entertainment options are something that most family cars are better off having. This is because you may go on a road trip or two every now and then. In this case, you’ll rely on the entertainment options that your ideal car has to offer. That said, you don’t have to go overboard because you can always make upgrades once you get a car. If you can spare the additional money to get a car with a robust entertainment system, save yourself the future hassle and simply go for it. Otherwise, you can upgrade it by doing something like getting window tint, which can block up to 99% of the sun’s UV rays, according to the Family Handyman.

Vehicle Size

A family vehicle should be large enough to comfortably fit your entire family. On this note, also remember that children grow up quite fast, and you may not have changed your vehicle in the few years it takes them to grow. All the same, keep in mind that a big car may not be safe to drive around, especially at high speeds. This is something that you need to take additional care of by following traffic rules that aim to keep you and other road users safe. Over 1.4 million people get arrested for a DUI annually, according to LegalMatch, and this is something you need to ensure you’re never charged with.

Your Budget

Last but not least, make sure to set a budget for your family car. Doing this will help you make a purchase that doesn’t leave you broke and in need of changing your lifestyle. Once you know what your budget is, you can shop around for a vehicle that fits within this budget. You can also seek financing if you need to, and this can ensure that you get the ideal car in a short time and without leaving your finances in disarray. Avoid getting too many add-ons as these may leave you with a higher cost to pay in the end, and all for things that you could have gotten as time goes by and long after getting comfortable with the car you buy.

Making these considerations can save you a lot of hassle when you need to get a family car. You’ll also be very likely to get the ideal car and enjoy every single trip that you take in it. Take your time before you make a purchase because this may be the only chance that you have to make changes without spending money.

Read More:

How To Use $6 Black Gorilla Tape to Fix Minor Bumper Damage

Can You Have Two Car Loans At Once?

The Best (and Worst!) Baby Shower Gifts

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baby shower gifts

Baby showers. Some love them, some hate them. While I love buying things for little people, I dislike attending baby showers. Nothing against the expecting family, I really just hate everything about traditional baby shower games. I’m at the age where there is a stark increase in the amount of showers I get invited to, though.

Between the number of showers I’ve attended, and the ones I’ve been on the receiving end of, I feel like a bit of a baby shower expert, and I’m here to give you my opinion on the best, and wors,t baby shower gifts.

Best Baby Shower Gifts

There are some baby gifts that are more useful than others.  These are the ones that almost every new parent will appreciate.

Large, Expensive Gifts

First time parents will likely welcome large, expensive gifts that they have on their registry such as a stroller, crib, playpen, and rocking chair.  These gifts are usually too expensive for one person to buy on their own, so feel free to chip in with other people and give a group gift.

When we were expecting our first, my co-workers went together and bought our stroller/car seat combo.  I was so glad that we didn’t have to buy this ourselves because our money was tight then.

Baby Carrier

baby shower gifts

Photo by Kelly Sikkema on Unsplash

Some babies are only consoled when their parents hold them.  This can lead to both tired arms and frustration.  Getting anything done around the house is difficult when the baby fusses as soon as she’s put down.  A baby carrier can be a fabulous gift because it gives parents the opportunity to keep the baby close AND get things done around the house.

Restaurant Gift Certificate

No matter what kind of birth you have, the perfect natural drug free delivery or complicated c-section, no new mom, experienced or not, feels like cooking in those early days. Life is chaotic and having a gift certificate or two to fall back on is a huge help!

Clothes the Kid Can Grow Into

Too many people will show up with exclusively newborn clothes.  Sure, they’re cute, but they’re also impractical.  All three of my babies were nine to ten pounds at birth.  They never fit in newborn clothes, and they only stayed in size 0-3 month clothes for about the first four weeks.  Had I gotten many outfits in those sizes, they would have been wasted.

Having a few outfits/PJ’s in larger sizes the kid can grow into is always appreciated. Kids grow fast, so they’ll get into that cute outfit sooner than you think!  They’ll likely stay in the larger size outfits longer, too.

Burp Pads/Wipes

Newborns make an insane amount of mess. They vomit and spit up everywhere, all of which requires being cleaned up. No mom can have enough burp pads/wipes/bibs for kids since they will go through about 25,721 per day. They also get stained beyond recognition and eventually tossed, so don’t spend too much money on them.

Diapers

Kids need diapers in many sizes. Find out if the parents plan on using disposable or cloth before buying, though.  Even if they get a lot of diapers, it is a gift always well appreciated.

Worst Shower Gift Ideas

And then there are the gifts that well meaning friends and family give you that are, honestly, worthless.

Nursing Bras

Unless you’re in the change room with the new mom, there is no way you’ll get this right. If you think it’s a gift mom would like and want though, get a gift certificate instead.

Expensive or Impractical Baby Clothes

baby shower gifts

Photo by Luke Michael on Unsplash

Babies, especially newborns, are messy. They do not need fancy, expensive and fussy clothes! You are literally wasting money when you buy these clothes, no matter how cute. Same goes for newborn shoes. Unless the kid is walking (usually past 1 year), they don’t need shoes with proper soles. Even in the winter, small children don’t need them; most baby snowsuits will take care of foot coverage.

Likewise, avoid impractical baby clothes.  When I was expecting my first baby, a co-worker bought me a towel and a baby bathrobe.  Sure, the set was cute as can be, but how practical is struggling with a baby to put on a bathrobe only to dry the baby off and put on his clothes?  I returned that gift before I even had the baby.

Non-seasonal baby clothes

Find out when the kid (should) be born before buying seasonal clothes. If the child is born in December there’s a good chance they won’t still be in newborn size swimwear come July. Pay attention to sizes when buying such items.

A Word about Baby Registries

If the parents did create a registry, look it up. Chances are they spent time to figure out what would work and what they need for their family. Sometimes, showers aren’t the best time to be reinventing the wheel, so-to-speak. If they took the time to research a monitor they liked, for example, don’t bother buying a different one because you liked it more; there’s a good chance it will end up getting exchanged.

One More Thought on Gifts

It’s not to say new moms think of everything, though. As a mom myself, there were things I received from experienced friends and family that I never would have thought of and was so appreciative of.  If you go this route, just make sure to include a gift receipt so they can return the item if it turns out not to be something they would want.

Final Thoughts

If you are invited to a baby shower, keep in mind some of the best baby shower gifts to give.  I still remember which of my friends and family gave me the gifts I most appreciate and found  most useful.  Now, when I attend a baby shower, I try to do the same for new moms.

What is your favorite gift to give for a baby shower?

Read More

5 Ways to Add Eco-Friendly Baby Products to Your Routine

After the Shower: How to Save Money with a Young Baby

5 Printable Baby Shower Games

 

Are Grocery Delivery Services Worth It?

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grocery delivery service
As the gig economy continues to grow, more and more services are being offered to provide you with the opportunity to never leave your house. One of the delivery services that continues to grow and is being provided by more and more companies is grocery delivery. Some of the top companies are Instacart, Shipt, and Walmart.  Thrive Market is a great organic option.

But the big question on our minds is – is it worth it?

Does Grocery Delivery Service Save Time?

Yes, it does.

Consider the time it takes to drive to the grocery store, plus park, grab a shopping cart, and walk up and down the aisles. Depending on the time you visit the store, you may have to stand in line, then walk back to the car, load up your groceries, and drive home.

With grocery delivery service, you need to spend a few minutes with your computer, selecting your items and putting them in your virtual cart. Thus, the time doesn’t decrease from 60 minutes to 0, but the savings are tremendous.

Does it Save Money?

The short answer is it depends. Considering it saves time, then yes, because time is money.

Yes, if you’re an impulse shopper. Having your groceries delivered can bring savings to your budget. Consider how often you’re going down the aisle and toss a few things in your cart. Each time you deviate from your list of groceries, you hike up the total cost — usually resulting in exceeding your food budget.

Where I believe a grocery delivery service does not save money is if you are NOT an impulse buyer and are good at spotting deals, shopping from the discount aisle (especially meat). Or, if you’ve got the time and the desire to shop multiple stores.

Also, any fees you pay for the service and any tips you give to your shopper will eat into your savings and possibly cost you more. In this case, it will be your decision whether the time savings, avoidance of crowds, and convenience factors make it worth it. At this point, it becomes a personal preference.

Because personal finance is personal.

An Alternative to Grocery Delivery Services:

If you love the convenience of grocery delivery services, but don’t want to pay the fee, or the tip, consider something similar – grocery pick-up services. Walmart, Target, and Harris Teeter all offer grocery pick-up service. Walmart and Target are free; Harris Teeter charges a nominal fee.

It follows the same concept as a delivery service – you order your items online and schedule a time for pick-up.

Pick-up is my personal preference as I’m an impulse shopper. Ordering online allows me to avoid purchasing things I don’t need, yet I still save time. I pick up my groceries while I’m in the area. Often there is a longer wait than I prefer, but I use that time to read a book or get some work done.

Do you use a grocery delivery service? Let us know in the comments below.

Read More:

The Average Grocery Bill for a Family of Four (and How to Save on Yours)

Meal Planning For A Family On A Budget

How to Become a Couponer: A Beginner’s Guide to Help Get Started

4 Best Hoverboards for Kids

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best hoverboards for kids With summer looming ahead, many kids are requesting outdoor equipment that will keep them entertained while on a break from school. Hoverboards are a hot item, and many parents are concerned about the cost, safety, and which ones are going to be the most durable. Today, we explore four of the best hoverboards for kids. Note that all have been UL 2272 Certified for fire and electrical safety.

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Kid’s Clothing Consignment Sales: Are They Really Worth It?

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kids consignment salesYou have likely seen ads in your area for kid’s clothing consignment sales. Usually, a group will set up in an abandoned storefront or maybe in a civic center or gymnasium for a weekend. Many communities have permanent consignment stores that sell items from kids clothing to baby items including furniture.

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13 Ways for Stay-at-Home Moms to Save Money

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ways for stay-at-home moms to save moneyWhen I became a stay-at-home mom in 2014, I felt a pang of guilt for no longer contributing financially to the family. Then, as the weeks of staying home progressed, I discovered something incredible. I had a new superpower. I was so much better at saving money! Not to say I was perfect, but by simply spending the lion’s share of my days caring for little ones AT HOME, I saved loads. Let’s take a closer look at some of those practical ways for stay-at-home moms to save money.

13 Ways for Stay-at-Home Moms to Save Money

Since a mom is involved in so many transactions throughout the week, I thought it’d be best to look through these money-saving tips in categories.

Kids and Babies

Don’t buy all new. The minute you become pregnant, you are inundated with offers for bright and shiny things. Everyone will tell you how to keep your baby out of peril. Each piece of advice will be different. Your greatest weapons are:

  • Research
  • Common Sense

Research may show you that buying a car seat new is a wise investment. It may reveal used clothes make a lot of sense for growing babies. Common sense may show you that the French chandelier in your friend’s baby’s nursery doesn’t have to show up in yours, too.

Find out if you qualify for a free breast pump. The government may give you a free breast pump or provide you with a reimbursement. I highly recommend checking it out.

Be strategic about the professional photo sessions. Social media creates so much pressure for parents to create “perfect moments” during each chapter of their children’s lives. Don’t get swept away in expensive photo sessions unless you’ve planned for them and have the budget available.

Food

Load digital coupons. So many stores offer digital coupons. They’re handy and often apply to checkout automatically.

Make your own baby food. I am not a DIY maven. However, when I started researching the health benefits of making homemade baby food (and that getting started wasn’t that hard), I gave it a go.

Once your baby is ready for solids, try mashing a banana or pureeing some superfoods. Freeze them in an ice cube tray for long-term!

Consolidate your trips. Try as I might, I always end up overspending or impulsing buy at the grocery store. Limiting my trips is one way I combat that problem. Another is by ordering my groceries online via ClickList or Shipt. That way, I’m not tempted to overspend and save so much time, too.

House

Pay extra on your mortgage. It’s amazing how much money people can save on their mortgage by paying an extra $100 per month. For example, if you had a 30-year mortgage of $165,000 at 4.5 percent, you’d pay an estimated $135,971 in INTEREST. By paying $100 extra each month over those 30 years, you’d only pay $105,547 in interest. That’s over $30,000 in savings!

Try BankRate’s free amortization calculator here.

Unplug. You can save a lot of money over time on your utilities simply by unplugging your appliances and shutting off your lights. If the weather is nice, shut off the thermostat and throw open some windows.

Reduce extra payments like your phone bill, cable, entertainment subscriptions. What can you trim back in your budget? Can you drop cable? Can you renegotiate your phone bill?

Build an emergency fund. Having money set aside for the unexpected will save so much money on emergency swipes of the credit card.

Selling and Earning

Sell your used goods. Today it’s easier than ever to sell your household goods to others. Check out these seven apps that’ll help you turn your secondhand stuff into cash.

Earn gift cards to cover Christmas. Swagbucks is one of the most popular sites for earning gift cards. You can watch videos, conduct searches, shop online, or do surveys to earn gift cards for places like PayPal, Amazon, and Target. You won’t earn a living, but it’s a great way to cover birthday presents, weddings, or Christmas.

Start a side gig. If you’re a stay-at-home mom looking for a way to make serious money from home, please check out my recent post “14 Profitable Stay-at-Home Mom Jobs Online (That Are Worth Your Time).” It outlines several cash-generating ideas from remote jobs to becoming an entrepreneur.

Ways for Stay-at-Home Moms to Save Money – Part IISAHM Blueprint ebook cover - transparent

I’ve been piling up resources and tips like this for the last three years after my own debt-free journey with my husband. We went from broke and clueless to budgeting and conquering our financial goals – like me becoming a stay-at-home mom – with the steps you’ve read in this article.

If you dream of the day you can stay home with your kids but could use a roadmap like I did, check out “The Stay-at-Home Mom Blueprint.” This eBook tells my story of beating debt and beating the odds to stay home when we only had $2,000 to live on each month.

It also includes 150 strategies to chop your debt, save money, earn from home, and afford your dream of becoming a SAHM.

If you liked this list of ways for stay-at-home moms to save money, “The Stay-at-Home Mom Blueprint” is this plus steroids.

Click here to learn more!

Your Turn: Share with us a few ways for stay-at-home moms to save money in the comments below!

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10 Steps to Create a Successful Stay-at-Home Mom Budget

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stay-at-home mom budgetDo you dream of becoming a stay-at-home mom but your family depends on your income? Your dream may not be impossible. It starts with a plan, a lot of self-compassion, and determination. I know from experience. Our most effective tool on our journey to a single-income family with an at-home parent started with a stay-at-home mom budget.

I’d like to show you how.

In 2014, I gave my notice at my job just a few weeks before having my second child. With only my husband’s income, we now had less than $2,000 per month to live on. That may sound impossible, but we spent years preparing for that day. It’s amazing how little income you can live on when you don’t have a car payment or student loan debts. It’s amazing how free you feel when you make such an empowering decision like staying home with your children. I

It’s amazing how little income you can live on when you don’t have a car payment or student loan debts. It’s amazing how free you feel when you make such an empowering decision like staying home with your children.

I wish that for you.

This list of steps will show you exactly how we beat the odds and successfully transitioned into a single-income family of four.

10 Steps to Create a Successful Stay-at-Home Mom Budget

Let me just say we stunk at budgeting before my husband and I got married. Like really stunk at it. I even worked as a teller and couldn’t keep my finances straight. I can laugh now, but it caused its share of anxiety in me at the time. I dreamed of staying home with my children someday, but our debts and sloppy spending made it felt unachievable then.

These 10 steps revolutionized so much more than our budget. It reshaped my mindset about money, my role in our marriage, how we communicate, and how we plan for the future. Check ’em out:

Take a financial snapshot.

Look at what you’ve been spending, how much you owe in debt, what you have in savings, and what you earn each month. It takes time, but this is a great starting point for anyone looking to improve their finances.

Before you ever write another budget, make sure you’re aware of where your money is really going.

Calculate how much you NEED to live on each month.

This number is vital. It’s not how much you spend on cable or fast food or extra clothes for the kids. This is the total you need, absolutely need, each month to keep the lights on, put gas in the tank, and feed the family.

A great way to calculate that number is to add up your monthly bills. They’re typically a set amount. Then, include things you typically buy in a month like food and gas. This is the baseline for you to plan your stay-at-home mom budget. You know this much needs to come in. If you and your spouse currently bring in more than that, then let’s talk about some ideas for that extra money next.

Build up a buffer.

When you reduce your family income, it’s paramount to have an established savings account for unexpected expenses. Millions of families live paycheck to paycheck with no clear financial plan for the next blown transmission or trip to the ER. You can set yourself apart from that statistic. Choose an account today and commit to putting away $1,000 for emergencies only as fast as you can.

Demolish debt.

Eliminating as many monthly payments from your life as you can before you become a stay-at-home mom is huge. If you’re already home with the kids, it’s still as important as ever.

For example, my husband and I started applying more and more of my paycheck toward student loan debt. What we thought would take seven years took less than two. Intentionality will bring about big results in your life.

Meet regularly with your spouse or accountability partner.

While my husband and I were paying off extra toward debt and saving for emergencies, we met regularly to discuss our budget. We still do. It isn’t always easy, but carving out a 15-minute window once a month to make sure you’re on the same page will reduce your stress and set up your stay-at-home mom budget for success.

Need some help creating a budget? Here are several free downloadable budgeting forms.

Sleep on big financial decisions.

Give yourself a 24-hour window before you make any purchase more than a set dollar amount. This is especially important for houses, automobiles, furniture, and the like.

Leave room for fun.

Even though you’ll have less money in the budget once you’re a stay-at-home mom, it doesn’t mean you can’t have fun. If it’s in your spending plan (and preferably not on a credit card), plan for fun outings or date nights or taking the children to the zoo. I even recommend a little fun money for you and your significant other to spend however you wish. A little freedom helps you life when finances tighten up.

Don’t compare yourself with others.

With social media, it’s almost impossible to not compare your life with others’. Remember this, though: It’s entirely possible they’re in debt up to their armpits and you don’t know it. Remember your reason for wanting to stay home. It may mean you have to live in a smaller house for a while, but the trade-off is more time with your kids.

Employ self-compassion when you fail.

You will fail. Your spouse will fail. Rather than give up and quit budgeting, give yourself some grace and try again. I’ve derailed more budgets than I can count. Working through that frustration and stress was like working a muscle. You will grow your abilities, too.

Focus on your behavior, not your numbers.

Ever read that quote about personal finance being 80 percent behavior and 20 percent head knowledge? It was true in my case. When I stopped chasing my credit score and started chasing a debt-free mindset, my account balance changed dramatically. What are some behaviors you can focus on that’ll help you establish a functional stay-at-home mom budget?

“What’s my next step?”

Hopefully, this article gave you some ideas on how to begin this journey. It’s meant to inspire and educate, but one blog post can only offer so much.

What I needed on my own journey toward staying home was a financial roadmap. Much of my husband’s and my experiences were trial and error (and more errors and some more errors). Beating the odds in 2014 lit a fire within me to help other women achieve this dream.Paperback-Book-Small-Spine-Mockup

That’s why I created a companion eBook to this article called “The Stay-at-Home Mom Blueprint.” It’s packed with 150 ways to chop debt, save money, earn a side income from home, and implement a financial plan that WILL enable you to spend more time with your kids.

This eBook contains everything I wish I’d known when I started my journey, from surviving our first messy budget as newlyweds to figuring out coupons to earning my first $10,000 with my at-home writing business.

If this is your dream to spend more time at home, then I wrote this for you. Look, it’s not easy. We spent years making this transition without a guide like “The Stay-at-Home Mom Blueprint.” Even so, it was worth it. Your journey will be, too.

May this resource empower you to take these steps to achieve what matters most to you.

Ready to grab your copy? Find “The Stay-at-Home Mom Blueprint” available here.

What’s your number ONE hurdle that prevents you from spending more time at home? Tell us about it in the comments below!

This post contains affiliate links.

Are you a stay-at-home mom? Make sure you bookmark or pin some of these resources for later!