A Little Goes a Long Way: Smart Secrets to Budgeting

 


How are you doing at saving your money during this pandemic? Have prices stayed the same where you are or slowly rising? Teaching your children about saving money is always a great thing and as they get older this concept is much more important since he or she will be utilizing this necessary daily living skill.



There’s nothing more we want than to be able to efficiently manage our money. After all, the money that we want to manage is money that is oftentimes, hard earned. This is where a budget comes in. A budget should help you see where your money is going, get more utility out of every buck, and help you save some extra for future use. 




The first smart secret to a budget is to set a goal. What do you want to achieve? Do you want to correctly appropriate your income into bills payments? Do you want to put an amount aside for a big purchase or a huge investment? By having a goal, you will be able to shape your budget to best serve your interests. 




Secondly, you would want to take note of where your money usually goes. This includes bills, major but regular purchases (like grocery costs, healthcare costs, and the like), and everyday miscellaneous purchases. Only when you list down where you know your money usually goes will you be able to identify which expenses you can do without. Once you’ve identified these regular expenditures, take into consideration what you can cut back on. How much do you spend on your daily caffeine fix in the morning? How much do you spend on newspaper deliveries to your front door? The measly $2 or $5 of these small purchases cumulatively translates to more than $3600 a year! Instead of buying your expensive latte or reading the newspaper on print, put aside the amount you would usually pay for these small routine purchases in a small container. You will be surprised at how much you’re saving out of your older budget.




Being indebted is a vicious cycle on its own. You’re talking about continuous payments, not to mention huge interest rates. The best way to deal with this is to pay the minimum on all of your debts in order to avoid paying extraneous late fees. Whatever cash excesses you may have, you can opt to add on to the payments you make in your biggest debt. This way, you are concentrated on getting the biggest debts first that cost you the greatest interest rates. Doing this progressively, you’ll be amazed at how much you’ll get off your huge debts.



The last and most important step is to jot down the amount you earn the sum you spend. You can make use of computer cash management programs, or make database sheets of your own. Make a system that works for you and will help you keep track of your monthly budgeting progress.



Where To Find the Cheapest Halloween Candy in 2020

 


The best time to purchase cheap Halloween Candy is after Halloween, right? Who wants to pay full price for candy, especially at this time of year and during a pandemic. Go Online and shop to your heart's content on your seat, so you can avoid the crowds. 

We personally like to shop at Amazon and Walmart:


If you are an Amazon Prime Member, load up on the deals from your retailers just make sure it is not a third party seller, because the quality may not be as high as the actual retailers themselves. So shop from the source directly. 


Amazon

Skittles and Starburst Original Candy Bag of 65 Fun Sized Pieces

Airheads 60 count variety pack

Hi-Chew Variety Pack of 6

Snickers, Twix, 3 Musketeers, Milky Way 240 piece minis


Walmart

2lb Candy Corn Bulk

KitKat 60 Piece Party Bag

Twizzlers 105 ct. Strawberry 

Laffy Taffy 145 count variety pack tub


Enjoy! Stay Safe out there this Halloween and make sure you are practicing social distancing practice as well. 

~M. 





Loving You is Easy:-) It is the Parenting that is Hard.....

 


My thoughts on this quote...

It says it all really. This remote learning for us has been an up and down transition. There have been many days of struggle and tears, arguments, and more is coming but loving you is definitely the easy part. 

Be Safe out there.....This pandemic is really trying us, as a family on all fronts but we are taking it one day at a time. 

~M.

We Are in a Lockdown for 4 Weeks....****SIGH***

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