Kids Ain't Cheap

But They Sure Are Worth It

Where to Get Free Cloth Diapers for Low-Income Families

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Free Cloth Diapers for Low-Income Families

For families on a tight budget, the blessing of a baby also comes with difficult choices. If they don’t have enough money for the basics, do they choose between diapers for the baby or food for themselves? Some parents have to stretch the diapers in unsanitary ways. They may change their child’s diaper less frequently than they would like or air out the diaper to use again. Parents shouldn’t have to make those difficult decisions. Thankfully, several organizations offer free cloth diapers for low-income families.

Where to Find Free Cloth Diapers

Several organizations offer free cloth diapers, though some do charge a nominal fee for shipping. If you find a diaper bank near you, you can avoid the fee by picking up the diapers directly from the organization.

The Cloth Option

The Cloth Option is a company that will give you enough cloth diapers to diaper your baby for at least a day. Then, you’ll need to wash them for the next day’s use. Newborns will receive 20 diapers, infants 15, toddlers 10. When you’ve potty-trained your child, give the cloth diapers back and get the next size.

To receive the free diapers, you must first fill out an application and provide proof of residency and the baby’s birth or your pregnancy.

Share the Love

Free Cloth Diapers for Low Income Families

Photo by Padmavathi Ashok Kumar on Unsplash

Share the Love was started in 2012 by a mom, Jennifer Labit, who had only $30 a week plus WIC benefits to both feed her family and buy diapers for her newborn. Thankfully, a friend gifted her with a diaper subscription and then cloth diapers so she could properly care for her baby.

After you apply to Share the Love’s program and are approved, you will receive 15 cloth diapers. You must return these by the time your baby turns three years old. Share the Love has locations in nearly all 50 states.

GroVia Gives

GroVia Gives lends a set of 16 bamboo cloth diaper inserts and four covers for a family to borrow. The diapers should fit a child between 10 to 35 pounds. Parents interested in this program must first fill out an application and show proof of being on WIC and having a child. They also must pay a $40 lending fee, which is partially used for the cost of shipping the diapers.

When you have potty trained your child, send the diapers back. They then receive $20 to spend on the GroVia.com website.

Ask for Cloth Diapers as a Shower Present

When you fill out your baby registry for your baby shower, make sure to add cloth diaper supplies. You may get enough at your shower to allow you to diaper your baby for free throughout his baby and toddlerhood. If you want the diapers to last through multiple children, which they can if you take good care of them, choose gender-neutral patterns.

Final Thoughts

If your money is stretched and you’re choosing between food and diapers, apply to one of these diaper banks. They can give free cloth diapers for low-income families. Then, your money can be used in other needed ways and your baby doesn’t have to suffer from infrequent changes.

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Free Chore Chart Template for Kids

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Chore Chart Template for Kids

My kids started helping with chores when they were about 18 months to 2 years of age.  My oldest got his own little broom that would recite, “sweeping, sweeping” as he swept.  He loved that broom, and he loved helping out.  Most toddlers are eager to do what the people around them are doing.  If you have a toddler and want to start working with them on chores or you want a more organized chore routine for your older kids, consider using one of these free chore chart templates for kids.

Why Assign Kids Chores?

Some parents don’t want their kids to do chores.  They argue that kids should just be kids.  However, there are many valid reasons why you should assign your children chores:

They Learn Valuable Life Skills

When I went to college, I couldn’t believe how many kids didn’t even know how to do their own laundry.  My son started doing his own laundry at 12, and my daughter started at 11.  The larger variety of chores you have your kids do, the better they will be able to successfully live on their own.

They Learn to Contribute

There are many things that need to be done to run a household successfully.  If you don’t expect your kids to contribute, they can grow accustomed to the idea of others doing things for them, which can lead to a sense of entitlement.  The family is the first place kids learn what it means to be part of a group and to help run that group.  This, too, will be a valuable lesson for their adult lives.

Should You Pay Kids for Chores?

Chore Chart Template for Kids

Photo by Anna Earl on Unsplash

This can be another devisive issue.  Some families don’t pay their kids money for chores because they want them to realize that they are part of a family and family members help one another.

Others, like my family, pay their kids for chores because they want kids to firmly make the connection between work and income.  You work, and you earn money.  You don’t work, and you’re broke.

Still others don’t pay cash but instead let their kids earn privileges like watching a show, or playing a video game, or staying up late based on the chores they do.

The choice is up to you and what your family decides will work best.

Free Chore Chart Template for Kids

There is no need for you to create your own chore chart template for kids when there are so many out there!  Here are a few of our favorites:

Healthy, Happy, Impactful has a chore chart template that gives blank lines to list up to eight chores beside squares for days of the week.  Just check off each day that the chore is completed.  There is also a box at the bottom for notes.

Plan for Awesome has a chore chart template for toddlers.  This one is unique in that rather than words, there are pictures so your littlest helpers can understand.  You can also use the pictures and words for the preschool and early elementary set.

Make any one of these chore charts last longer by laminating them or placing them in a plastic sleeve so you can use them week after week.

Final Thoughts

There’s no time like the present to start having your kids help with chores.  These free chore templates can help motivate them and help them find pride in their accomplishments.

Read More

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Insurance While Traveling Abroad

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You are all ready for your European vacation. You have packed your passport, clothing, snacks for the plane ride, and games for the kids. You may have forgotten something important, though. Did you remember to pack your insurance?

Before traveling outside of the United States, it is important to check your insurance policies to make sure you are covered for any unforeseen accidents or injuries.

Health Insurance

Nobody wants to get hurt or ill on vacation. Unfortunately, accidents do happen, and exposure to unfamiliar foods or environments can lead to illness. A trip to a foreign doctor, dentist, or hospital can be very expensive. Many health insurance policies, including Medicare, do not cover medical treatment outside of the United States. Make sure to check your insurance policy before you travel. If it does not cover you outside the country, consider purchasing a separate travel insurance policy that covers emergency medical treatment and medical evacuation so you can return home to recover after an accident.

Auto Insurance

Most automobile insurance policies cover policyholders as a driver or passenger in any automobile, even rental cars, within the United States. Some policies also cover travel to Mexico and Canada, but it is likely that you will not be covered in other countries. As any injury lawyer will tell you, even a minor accident can lead to  significant liability claims. You may need to opt for the liability insurance coverage offered by the rental car agency if you are renting a car in a foreign country. To supplement that, look into a personal umbrella policy. Umbrella policies cover you for any losses over and above those covered by other insurance, so you may be able to opt for a less expensive option from the rental car agency if you have umbrella coverage. Always check with your insurance agent to make sure the umbrella policy covers you in the areas you are planning to travel.

Travel Insurance

Chances are, you have purchased non-refundable airline tickets, or placed non-refundable deposits on hotels for your trip. If an unexpected event delays your trip or forces you to cancel altogether, a travel insurance policy can reimburse you for those losses. Travel insurance policies may also cover lost luggage, meals, travel inconvenience if you miss part, but not all, of your trip,  and may also cover emergency medical treatment. Most travel insurance policies are relatively inexpensive, but can save you thousands of dollars. Just make sure you do some research and choose a reputable insurer. Read the policy benefits and limitations before you purchase so you understand exactly what you are getting before you have to make a claim.

Where to Get the Best Pacman Coloring Pages

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pacman coloring pages

Maybe it’s a rainy day, and the kids are testing your nerves—the day where nothing seems to satiate their boredom, and you want to scream. Hey, we all have been there! I remember one rainy day in which my child decided that coloring was fine—as long as he could color this one thing, Pacman. He had been playing a lot of Pacman on our Wii, and he wouldn’t look at anything else. Fortunately, I was able to find him some Pacman coloring pages and save my sanity at the same time. Here are my favorite sites for Pacman coloring pages. You might even like them for some of their other coloring pages as well.

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Weekend Family Fun On A Budget

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Weekend family trips and activities can be really expensive depending on your choice of activities and places you are visiting. However, this is necessarily always the case. Here is a list of fun things to do on the weekend that won’t break the budget:

1.   Visit The Planetarium

If you are lucky to live close by, a visit to the planetarium can be a lot of fun for the whole family and tickets gaining access are not very expensive. A trip to the planetarium for a family of four can easily cost under $100. You can bring along snacks and the kids will be blown away by the show! It is also very informative and can spark creative ideas for the kids when they get home to build toy rockets out of a toy? blocks or create their own universes with cardboard, glitter, paint, and glue.

2.   Breakfast Buffet

With a little bit of research, you can find an affordable buffet in the area with enough food to satiate anyone’s appetite. It’s a lovely Sunday morning outing and at least you won’t need to worry about cooking. Try to get there around 10.30/11am and the only meal you will need to prepare later will be dinner. Usually, the breakfast menu is cheaper than lunch or dinnertime menus.

If you feel the breakfast didn’t provide enough healthy nutrients you can always keep supplements or vitamins in your bag and give it to the family at the table. Research Verified reviews like this will guide you to the most potent strength products for your family with the highest level of nutritional benefit.

3.   Hit The Beach

On a hot day or even mild-weather temperatures can call for visits to the beach. The sand, in essence, is a giant sandpit and your children will have hours of fun. It doesn’t cost you anything to relax by the beach. Just bring a bag with towels, spades and buckets, a good book, some sandwiches, mineral water and wet wipes.

If you live in a city without a beach visit the local public swimming pool for a relaxed afternoon with your kids in the water. Bring along hot dogs and juice and just remind your kids not to swim straight after eating.

4.   Series-Binge

Get the popcorn ready and begin a new series together that is family friendly (obviously no Game Of Thrones type series). Fun series to watch together are ‘Glow’ or ‘Grimm’ (if your kids are 16 plus), Marvel-inspired series like ‘Iron Fist’ and ‘Defenders’. This is a great activity that is fun to do but only once in a while. (The series mentioned can all be found on Netflix)

5.   Go Camping

Pack the tents and get ready to rough it out in the wild. Go to a safe camping site, possibly near a river for rafting and have fun in the wild. Make it a no-tech zone and put yours and your family’s cell phones away. Enjoy the peace and it will do a world of good for your children.

6.   Bake Day

Have fun exploring a new recipe together and get the whole family in on baking new delicious delights. They can take these baked goods during the week to eat at school and can be proud when they tell their friends that they helped make them. It’s also a great activity as it teaches them new skills.

7.   Paint Clothes

This is a super fun activity where the whole family gets to be creative and express their unique individuality. All you need are some clothes, a paper towel, a cup of water, the newspaper, fabric paint and you are good to go!

So there you go. You need not stress about weekends that could cost an arm and a leg. With enough careful planning, weekends can be an event that the whole family looks forward to. With so many inexpensive things to do in the city and at home there is no limit to the choices you and your family can have! Go have fun together!

How Kids Make Millions On Youtube: The Kan and Aki Youtube Channel Income Report

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kan and aki youtube channel incomeEver click on a video with millions of views and wonder how much money that channel is making? Many people, like Justin Beiber, have even risen to celebrity status as a result of Youtube. Others haven’t walked the red carpet but are still raking in millions from their videos. Even kids. That’s why today we’re going to look at a great example: The Kan and Aki Youtube channel income report.

Kids & Youtube: The Kan and Aki Youtube channel income summary

Who are Kan and Aki?

Since social media has spread to every corner of the world, it means new celebrities are popping up all over the grid. Take Japan, for example. Two young sisters named Kan and Aki have starred in more than 730 videos since 2010. The Japanese children jump around, dance, sing along to lively music, and dress in fun costumes along with their other two siblings. Most notably, however, the two sit at a table and open toys to describe and review.

Recommended Reading: “The Best Way to Raise Money-Savvy Kids”

This has become one of the more popular ideas since tablets and phones enable children to watch more Youtube. For whatever reason, kids love watching people open new toys and showcase them one at a time. Like Christmas all year long – except they keep none of it. My own two kids lock their eyes on the screen when they see a video that unveils a new toy.

For Kan and Aki’s family, these popular videos have generated some serious cash. Let’s break down how that works on Youtube.

How to Make Money On Youtube

Your most precious commodity on Youtube is views. Not only is your message reaching more people, but you’re getting paid for it. According to Investopedia, once users sign up for AdSense on their account, they earn an average of $7.60 per 1,000 views as of 2013. For example, earning several hundred views for your review of LuLaRoe leggings might earn you $5 in ad revenue. Taylor Swift’s music video “Shake It Off” has over two billion views and has earned at least $17 million.

Other ways to monetize your Youtube channel are:

  • Affiliate income
  • Sponsored reviews
  • Selling your own products
  • Marketing your own services

Now, let’s take a closer look at Kan and Aki’s channel to find out how they’ve done financially. It will be impossible for me to calculate exactly what they’ve earned since I don’t know if companies have sponsored them to review their products (it’s likely). We’ll just speculate their ad revenue.

This Kan and Aki Youtube channel income report shows statistics as of July 2017:

  • Subscribers: 1,665,621
  • Uploaded Videos: 731
  • Total Views: 3,813,037,956

Out of curiosity, I calculated how much money nearly four billion views would earn. According the average, that’s $28,978,800 in seven years.

Not bad for kids.

Or anyone, for that matter.

Want to see an example from the Kan and Aki Youtube channel? This video of Kan and Aki reviewing a cooking set for kids currently has been viewed more than 121 million times:

It’s interesting to take a look at families like this who have such a unique income stream, but most kids don’t earn back their cost of living. Therefore, we put together a list of 35 ways for parents to save money. Be sure to check that out before you go!

What are your thoughts on kids making money on Youtube? Would you ever let your children create videos someday? Share your thoughts with us in the comments below!

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

5 Free Printable Baby Shower Games

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free printable baby shower gamesYou’ve graciously offered to throw a baby shower for someone. Perhaps it’s a friend, coworker, or family member. Well done! It’s a fun time, but planning can be stressful. That’s why I’ve put together a roundup of free printable baby shower games to make the most of the mom-to-be’s special day.

5 Free Printable Baby Shower Games

Name That Baby

This is a game we used at my baby shower. Simply pass out the printable forms with a list of animals and have each guest write the names of baby animals of the same breed. for example, goose and gosling.

Find your printable sheets for “Name That Baby” here.

Name That Nursery Rhyme

This single sheet lists several first lines from famous nursery rhymes. Test your guests and see who gets the most right! The printable sheet and answer key are both at the link below:

Print off your copy of “Name That Nursery Rhyme” here.

Baby Bingo

Baby Bingo is a simple and fun game shower guests of any age can play. Print off several of these bingo cards – blue or pink. Make sure you have game pieces, candy, buttons, or coins for players to use for their cards. In each box, write what the expectant mother could potentially receive at her baby shower. For example, diapers, baby blanket, or lotion.

Call out each item and see who calls “Bingo” first!

Choose your printable “Baby Bingo” cards here.

Baby Shower Scavenger Hunt

A great ice breaker that helps people interact with one another is a scavenger hunt. Ask your guests to form into teams of two or three, then give each team a copy of the first clue. The rest of the clues have been hidden by you throughout the house.

I like this version of a scavenger hunt for a baby shower because each clue is fill-in-the-blank, making the clues more solvable and moving the game along at a nice pace. Make sure you have enough prizes for each team member to receive!

Get your “Baby Shower Scavenger Hunt” clues here.

Baby Shower Charades

Could you stand up in front of your friends and describe “Mary Had a Little Lamb” without using words? Try this fun version of charades that centers around popular nursery rhymes. Cut up each choice and have each guest draw one out of a hat to act out.

You can choose a different theme for charades, of course. You can have your guests act out baby-related things like going into labor, swaddling a baby, or having your water break. Oh, the possibilities for fun…

Print off your nursery rhyme-themed “Baby Shower Charades” here.

If you’re looking for more free printable baby shower games or need help putting together your theme, invitations, or snack ideas, then be sure to check the wealth of resources on Pinterest. These five games should help your guests break the ice and enjoy their time making memories and honoring their friend.

Next Up: “5 Quality Baby Items That Are Worth the Investment”

Which baby shower games have you played? Share a favorite with us below!

Image Credit: jdurham (MorgueFile)

Planning on staying home after your baby is born? Check out our top financial resources for stay-at-home moms:

Free Comic Book Day this Saturday

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Free comic book dayI have mentioned in previous posts that I have been a life long comic book fan.  My cousin introduced them to me when I was in 3rd grade or so and it blossomed into I cherish.  It taught me to love reading and worked my imagination to it’s fullest.

Every year, the comic book industry puts on a special event called Free Comic Book Day.  Most comic stores participate.  This one time every year the comic stores can purchase a specific selection of comic books for very cheap (pennies on the dollar) as long as they give them away for free on free comic book day.  Comic stores typically have events surrounding the day with other giveaways going away and comic creators showing up to sign books and meet their fans.   This year, Free Comic Book Day is this coming Saturday (May 7, 2011).

How to find stores participating in Free Comic Book Day

It’s a great event for families looking for something cheap and different.   If you aren’t sure where the closest comic book store is, use the Comic Book Store Locator Service to see if there is one near you that is participating in this event.  If you can find a store close by, take the kids, have some fun, introduce them to the wonderful, creative world of comic books for Free!

You can read more about it at FreeComicBookDay.com

Do you read comic books? Have you gone to a Free Comic Book Day event in the past?

Discounts for Parents of Twins and Multiples

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having twins is expensive!Having twins is wonderful but it is also pretty expensive!  Well,  having children is expensive but when you are blessed with two or more babies at one time, things add up really fast. The good news is there are several companies who understand this and are willing to give parents of twins and higher order multiples a break. Some companies will send you freebies or really great coupons. Be aware that in some cases, you will be asked to provide the babies’ birth certificates, to prove that you do have multiples.

Here is a list of discounts parents of multiples can receive and for even more money saving tips check out my post on tips for buying for twins. I will do my best to update this list from time to time but you will definitely want to check with each of these companies to make sure they are still offering their multiple birth programs, discounts or freebies. If you know of a multiple birth program that is not listed, please let me know I’d love to add it! 🙂

American Baby Magazine

(possible) Free 1yr Subscription

When I called I was told that you just need to enter your name, due date and number of children and when they see you are expecting multiples you will get the discount. I don’t know for sure if this works but it’s worth a try and if it doesn’t automatically apply the discount I would call customer service 1-800-678-1208

Please let me know if you do try it and whether it works or not. Thanks!

Babies R Us

10% discount to parents of multiples (in-store)

This discount applies when buying two or more large items such as, furniture, high chairs, swings, pack-n-plays, strollers (I am told this also applies to a double stroller), etc. Be sure to ask before making your purchase since these discounts can change at any time.

Baby Depot

(part of Burlington Coat Factory)

20% discount on anything in the baby department when you buy two or more identical items.

This could be a substantial savings, especially if you are buying furniture. Be sure to ask in your local store about the discount because discounts can change and possibly vary by region.

OshKosh and Stride Rite

Provides discounts for parents of twins, as do many other national retailers.

Carnation Good Start Formula

The Carnation Company will send you six containers of its formula. Send a copy of the babies’ birth certificates to: P.O. Box AW, Wilkes Barre, PA 18703. Address it “Attention: Nestle Infant Nutrition.”

Pampers

Call 1-800-726-7377 to request a freebie package as part of their Pampers Multiples Birth program. They’ll also send you coupons.

Luvs

Call  1-800-665-3257 for a freebies package from the Luvs Multiple Birth program. You’ll get coupons for diapers and wipes and product samples.

Huggies

If you call the Kimberly-Clark Company at 1-800-Tel-Scot, you will be sent free mailing labels to send in your babies’ birth certificates. Then you will receive coupons for free diapers.

(I recommend contacting all three companies. I used all three brands for the boys. Luvs were my favorite because they worked well and were the least expensive but I used pampers or huggies at night because they both carry and overnight diapers which help prevent leaks)

McNeal Consumer Products

(The makers of Tylenol)

Free welcome packs for your twins
Call 1-800-962-5357 ( option #5) and make sure you tell them you have multiples.

Tomy ~ First Years, Learning Curve, Boone and more

(Free baby gift package)

You must submitt a birth announcement, birth certificate or some other proof of multiples by fax or mail.

1-800-533-6708 ph | 1-563-875-8263 fax

Tomy

Attn. Multiple Birth Program
2021 9 St. SE
Dryersville, IA 52040

Once the kids are older you’ll want to ask if there is a multiple child discount for preschool, lessons (swimming, art, music), and sports. Most will automatically offer it but if they don’t be sure to ask.

I hope this has been helpful. Please pass it along to anyone expecting twins! 🙂

Get a Free Movie from Amazon on Demand

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Amazon has a new On Demand serviceNetflix has the majority of the market when it comes to movies on demand but Amazon wants to change that. They know that if they are going to take customers away from Netflix, they are going to need to make it easy for you to try them out and that is exactly what they have done. New customers of Amazon on Demand get to start out with a $5.oo credit which will allow you to get more than 1 free movie streamed directly to your PC. Most movies cost $0.99 with new releases at $2.99 so $5.00 will get you a nice bit of entertainment at no cost.

With Amazon on Demand, you can watch a movie on your computer without having to download any special software. Just like iTunes and Netflix they offer both movies and TV shows. With the huge economic power of Amazon behind the service they have a great selection so give them a try. New customers can get a free movie at Amazon on Demand by going to the Amazon on Demand New Customer page.

Have you tried Amazon on Demand? What do you think of it?