The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year

The Money Saving Mom’s Budget: Slash Your Spending, Pay Down Your Debt, Streamline Your Life, and Save Thousands a Year

FROM ONE OF NIELSEN’S TOP 50 POWER MOMS COMES ADVICE YOU CAN TAKE TO THE BANK—LITERALLY ! Crystal Paine, who has helped busy women everywhere take control of their finances, presents her most effective strategies designed for families of all sizes and income levels.

With hundreds of inspiring “why didn’t I think of that?” TIPS, plus WORKSHEETS, Paine breaks down your goals into easy, manageable steps so you can:

• Achieve a complete financial makeover

• Set up a realistic budget

• Never pay retail

• Slash your grocery bill

• Organize your time & your home

• Use coupons wisely

• Pay with cash only

• Live simply

• Become debt free

• Choose contentment

• Make every dollar count

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Price: $ 7.84

The Politics of Public Budgeting: Getting and Spending, Borrowing and Balancing

The Politics of Public Budgeting: Getting and Spending, Borrowing and Balancing

Public budgeting is inherently political: too often, short-term partisan goals overrun long-term public interest. By presenting federal, state, and local budgeting within a clear, comparative framework, Rubins classic text focuses on the issues of federalism and the political jockeying that influences all governmental budgets.

Updated throughout to account for recent issues in budgeting, the sixth edition includes coverage of the Alternative Minimum Tax controversy, mayoral vetoes, state legislatures role in the budgeting process, conflicts between inspectors general and executives, PART evaluations, and more. In addition, Rubin now pays even greater attention to budgeting within state and local systems, incorporating examples from across the nation and better preparing students for future careers at all levels of government. Analyzing each strand of the decision-making process, Rubin shows the extraordinary coordination involved in passing a budget and achieving accountability.

List Price: $ 49.95

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Budgeting – Personal Spending and Money Management a Key to Weathering the Storm – and Much More – 101 World Class Expert Facts, Hints, Tips and Advice on Budgeting

Budgeting – Personal Spending and Money Management a Key to Weathering the Storm – and Much More – 101 World Class Expert Facts, Hints, Tips and Advice on Budgeting

Addresses the top 101 consultancy & education forum questions, with tips & success factors on understanding & harnessing Personal Financial Budgeting strategies, tools & other best-practice insights for personal financial success.

List Price: $ 19.99

Price: $ 16.67

How can you make healthy & delicious vegetarian meals without spending a lot of money.?

Question by SweetLuv: How can you make healthy & delicious vegetarian meals without spending a lot of money.?
Vegetarianism is way too expensive if you want to be able to enjoy your food.

Best answer:

Answer by Billy
I buy bags of carrots for 1$ at the 1$ only store

What do you think? Answer below!

Spending Your Money Wisely – Helpful Tips for Cutting Food Expenses #2

Spending Your Money Wisely – Helpful Tips for Cutting Food Expenses #2

Want to make Wise Spending Decisions? Here are more tips homemakers (Chief Domestic Officers) should know about saving money at the grocery store. 

In the first article on this subject, we discussed the fact that YOU are in control of the spending that goes on. These are additional important ways you can save on your food bill. It’s up to you. 

5)    Here is a big one! Consider buying as few processed / prepared food items as possible.  There is almost one whole aisle in a lot of grocery stores, mostly dedicated to processed/prepared foods.  They are expensive and high in additives and usually very high in calories.

If you are pushed for time, consider meeting yourself half way, such as buying chicken breasts to cook and a box of creamed broccoli, instead of buying it all together as chicken & creamed broccoli already prepared.  If you choose the prepared food, you will be paying a lot more and probably adding a lot more calories! In this situation, you could also choose to buy a chicken already baked and some fresh brocolli to cook. It so much better for your health compared to the prepared ones in the freezer section AND you save money. 

6) Another idea to consider is instead of buying frozen Italian bread with butter and a few herbs, buy fresh Italian bread and spread butter and shake a few herbs on it. (Children love to do it) If you don’t know what the herbs are, read the prepared bread package and find out! You will save money with this decision. 

IT IS TRULY AMAZING how much money you can trim off your food bill by buying the basics and preparing the food yourself.  Certainly I understand, we are all busy, but there needs to be a “cost-benefit” analysis about whether the income considerably outweighs the percentage of the budget spent on prepared and/or processed foods.  Think about your personal situation and is it really worth spending the money for the little bit of extra time that will be spent in preparing an easy-dinner recipe. I personally believe there are also great health benefits to preparing basic foods, as much as your time will allow. With preparing foods at home, you will skip many additives and calories.

7) ANOTHER smart way to save money is by NOT buying individual packets of certain items.  Tons of money can be spent on packaged cold cereals and hot cereals.  For instance, the price increase of individual packets of oatmeal is monumental over buying a big container of quick oats, measuring them into 1/3 cup (that’s how much oatmeal is in the packet) individual servings, ready for you and the kids to add water, and put in the microwave.  Think of how many 1/3 cups you can get from a big container of quick oats and the money you will save! Sprinkle cinnamon or add raisins to your liking.  The same principle applies for small boxes of cold cereal as opposed to the big bag. 

8) In the meat section, lots of times you can buy a larger supply of meat for a lower price per pound.  Seize the moment, buy and divide into smaller servings before you freeze it. 

9) It’s great what good buys you can get at the $ stores now, especially on paper products that are quality products. Know what is available at the $ store and make one trip there for all the things you didn’t buy at the grocery store. You will save a lot of money too. 

These are just a few thoughts on the subject.  Send in your ideas to our website, http://www.ldsjunction.com  and let us know ways you save at the grocery store. Check back later for more articles on this critical subject as it applies to Spending Wisely.

Visit our website, http://www.ldsjunction.com for more family & home related articles. Sign up for our Smart Tip. Leave a comment on our Blog. Our advertising stores have discounts and offer many goods and services to make your life easier. On our http://www.ldsjunction.com, Spending Wisely page, you will find lots of good coupon sites. Visit our Facebook page at ldsjunction.com and click on “like” if you are happy with our site.

 

Betty Chaney Gustin is the publisher and editor for ldsjunction.com. She prides herself on being a homemaker with over 30 years of experience. Betty is the mother of 8 children and 3 grandchildren. A college education and life’s experiences as a mother of a large family have qualified her to become an expert on home and family subjects. Visit our website, http://www.ldsjunction.com, for more home and family related articles and resources.

 

Budget tips for Christmas spending

Budget tips for Christmas spending

One of the most helpful Christmas budget tips is to decide on a specific amount of money you will spend on each person on your list. When making this decision keep in mind that the chances you will over spend are fairly good especially if you are buying for your child/children or spouse.

Christmas Cake Decoration Ideas

If you do not have a Christmas club account or a separate savings account set up just for Christmas then consider purchasing one member of the family a gift each week. This of course also depends on the size of your family, the ages of the children and what is available year round. For example if your teenager wants a new video game system that will not be released until October then of course you would have to opt for the savings option.

On the other hand if your preteen has a list of books and movies a mile long you can simply pick up one or two items each week or every other week. This will greatly decrease the financial burden and also relieve the stress of searching for popular items in November or December when they are in a much higher demand.

If you’re crafty you can always make Christmas gifts for distant relatives, friends and co-workers. Crafts can provide a great source of stocking stuffers as well. There are many benefits to making Christmas gifts. The first would be the amount of money you will save which leads to having more money to spend on your children, spouse and other immediate family members.

Christmas Celebrations 2010 Gifts, Decorations, Music

When planning a budget for Christmas it is not just about the gifts, you also have to consider the food. A traditional Christmas meal is not an inexpensive one by any means. The average family of four will spend roughly on Christmas dinner if they stick to the basics of a turkey or ham, turkey dressing, potatoes, yams, vegetables, cranberries, buns and a pie or two.

One way to help with the cost of the meal is to pick up as many items as you can through out the year that can be set aside and saved. You can pick up your canned items and even grab an extra bag of flour or pudding mix when they are on sale and save money. Most everyone sends at least a few Christmas cards, using an email card will save you a bundle on stamps. Of course there are always certain people you will send a traditional card too but if you opt to send email cards for free (there are hundreds of free card sites available on the internet) you could save as much as .40 for a book of stamps that could be spent on a gift or another item.

Make your Christmas stress free by following the simple tips below:

~ Get everyone’s Christmas list early
~ Shop earlier
~ Hit as many sales as possible
~ Buy one or two reasonably priced items a week or month
~ Make as many of your gifts as possible
~ Set a budget for each person and try to stay within of that amount.

Budgeting your money for Christmas is not an easy task it is the season of giving and most of us give until it hurts and end up paying for it all year long!

Get complete information about christmas celebrations along with tips for xmas parties and new year eve dinner ideas on the event of christman celebrations.

Is your Internet Advertising Spending Hitting the $2 Trillion Per Year Mom Crowd

Is your Internet Advertising Spending Hitting the Trillion Per Year Mom Crowd

Are you targeting some of your marketing to the “mom blog” crowd? You should be. According to Stephanie Thompson of Advertising Age, “The creation of web blogs that cater specifically to moms has opened up a new avenue for advertisers to reach the demographic, which spends more than trillion per year. There are more than 1,600 mother/family blogs, according to blog aggregator BlogHer.”

Thompson says, “It`s a boom time for blogs and similar websites catering to the shopping, networking and shoulder-crying needs of the big-spending modern mom.” That spells great news for you if you are a business or individual that sells products or services to the blogging mommy crowd. As luck would have it for you, new moms are always eager to learn new shopping tips and tricks and product reviews for baby.

“The blog world is [ripe] to be targeted”, says Liz Gumbinner co-founder of Cool Mom Picks. So much so that she writes a blog that reviews baby items. Gumbinner claims her blog receives 1,200 unique visitors each day.

So in order to reach the mommy crowd, what must you do. There are a variety of outlets to get your product out there, but some people are coming up with more creative ways of doing it. Mommy Track`d founder and CEO Amy Keroes said, “”Our ad offerings are more customized, and more interactive.” She continues, “we had a recent promotion with Netflix that tied a giveaway of a year`s subscription to the service to an article on our site about “Sherrybaby” director Laurie Collyer just as the film was being released on DVD.”

According to Thompson, “Lolita Carrico, founder of the blog Modern Mom, is beginning to offer big numbers. She launched the site, which is aimed at helping moms balance their busy lives, two years ago. Today, she gets 500,000 unique visitors a month, and has more than 100,000 subscribers to her newsletter. In addition [she] plans to develop other Modern Mom media offline, including testing a concept of Modern Mom moms`-night-out clubs, Ms. Carrico has forged a relationship with nail-polish manufacturer Essie to offer a Modern Mom color (that camouflages chips far more easily than today`s hip darker colors).”

So what will your advertising revenue geared towards mom be reaching exactly? Lets go inside the numbers. According to Internet statistics, there are more than 32 million female Internet users with children under the age of 18. As for “blogHer”, there are currently more than 1,662 blogs geared toward new moms, mothers or families in general. Blogads is reporting that the average annual income of the “mommy-reader” is about ,000. They are also showing the average age of the “mommy-reader” is 29 and that they read about 5 blogs per day.

If you provide a product or service that is geared toward the “mommy” crowd, then you need to get in front of the “mommy” reading blog crowd. With a little creative genius, and ingenuity, your product or service can be in front of thousands of eyes, ready to buy.

By: Bruce A. Tucker

About the Author:

Bruce A. Tucker is the Associate Director of Indocquent.com. Indocquent.com is an online resource that allows businesses and individuals to post their products and services for sale in 20,000 cities throughout 200 countries around the world free of charge.

Trick or Treat Spending on the Rise, Frightening Frugal Ways to Have A Boo-tiful Halloween

Trick or Treat Spending on the Rise, Frightening Frugal Ways to Have A Boo-tiful Halloween
Happy autumn Now that back-to-school shopping has subsided, many Americans start planning for the holiday season. Some reports show that Halloween is now the second most expensive holiday after Christmas but most people overlook the holiday when it comes to budgeting for expenses. As families feel the weight of the US economy more and more, they are becoming aware of their frivolous spending …
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Budgeting Tips For Brides, Grooms
When it comes to planning a wedding, finances are first and foremost on the minds of many couples. As the costs associated with weddings continue to rise, the need for a budget only grows more apparen …
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How to Build Your Marketing Budget
In uncertain economic times like these, setting a marketing budget can be particularly difficult. One could make the case that, with competitors hurting, it’s time to make a move and ramp up spending. Conversely, cutting back and waiting for things to stabilize further is a completely justifiable approach. Of course, coming up with a number you’re comfortable spending is only part of the …
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