I’ve got a lot of clutter from the summer months, stuff we’ve acquired on vacation, from having the kids go through things they don’t normally go through during the school year. There’s stuff everywhere, so for me, organizing and cleaning also means getting rid of some things we just don’t really need around the house.
Yard sales can be a pain in the butt, it takes forever to set them up then you have to sit outside for 2-3 days to make sure they sell, too much of a hassle. Craigslist is an option but a scary one, you never know WHO you might be meeting, so I’ve been looking for some other means to get rid of my ‘junk’.
I also don’t want to just throw things away, if I can make some cash it would be even better, and when it comes to that, I can make some cash with DVD’s, CD’s and games!
There’s always an alternative to something, and looking around online I’ve found that alternative with Music Magpie. There’s no set up, no pricing stickers, no weird strangers to meet in a public place. It’s easy! You simply scan the barcode of your item, and it will give you an evaluation of pricing that will help you sell your item.
So once my girls are back to school, I’ll be getting my house back in order and making some cash while I do it!
August 16, 2013 – 11:39 AM - | Posted in Home Life | 1 Comment »
Remember that very first time you were on your own. That day of college or university when you thought “Yup, this is it! I’m a full fledged adult now, on my own, making adult decisions.” You were then summoned over to a table giving away free swag! “Free Stuff!” you thought, “Alright!”. As a broke college kid, free stuff is always a great thing, even if it is just a frisbee or a t-shirt or pen. You’re gonna go for it! Besides, how bad can it be to have a newly found credit card? You need stuff, your an adult, heck you need to get yourself some credit! WOOHOO I have MONEY!!
At least that’s how I was walking around my college campus, and heading to one of those tables the very first time, and boy, was that a mistake!
At a young age like that, do we really know much about financial responsibility? Then, I thought I did, then, I thought a credit card would be great, then i thought I would use it only in an emergency situation. Which became a night out at the club and I needed a new outfit, I ran out of alcohol, and for some things that actually did help out with school, but these credit card companies prey on the young kids like I was to not think responsibly. They did the same thing to my husband when he was in University too. This is why, we as parents need to encourage our kids, at a young age what financial responsibility is!
I don’t want my kids to grow up in debt. Going to college or university is enough debt in itself, but trying to start up your credit then with loans, a credit card, it’s just too much. Over 10 years later (OK more than that but shh) I’m still swimming in debt and trying to repair my credit as a grown married woman with kids. Not school loans (well those too) but just my credit in general from the stupid un-responsible mistakes that I made as a young adult. What we don’t realize then, is credit is something we NEED. When you get out of school, have your own family, you need credit to get a new car, buy a home, sometimes to even get a job.
What we’re trying to do now is clean up our credit, get out of our debts now as a married couple because of the stupid cards we got as kids. We’re working on it, it’s working, but it’s a slow process, and that’s what we’re already trying to pound into my 7 and 9 year old’s heads. Money isn’t free, money is earned, credit cards still have to be paid!
My 9 year old thinks if she asks for something, or wants to do something, we just have to use our card. We had to explain to her that’s not exactly how it works. She wasn’t even sure that we had to actually have the money in an account at the bank, what she thought was that we used that shiny card, put it into the machine and got whatever money we wanted, no matter what. Then came the explanation to her about what exactly a job is, how you make money and how you put money into the bank account. If you didn’t make $500 and put it into your bank account, you couldn’t take out $500 just because you wanted to.
“What about your credit card?” she asked.
“Credit cards are for emergencies” we told her. The bank is basically giving you a loan, but you have to pay it back, and you always have to pay back more than what you’ve been loaned. Say we lend you $2 and you tell us you’ll pay us back in 1 week. If you don’t pay us back in 1 week, we’re going to add 25 cents to every week you miss paying us back that $2. So, if you miss 4 weeks of paying us back, that means you’ll now owe us $3. Trying to get a 9 year old to understand was kind of hard, but I think we got it.
Credit isn’t something that you get for free, it’s something that has to be earned, and responsibly. We’ve got the girls piggy banks and they have learned the consequences of spending all their money. My oldest would get mad when her sister still had $10 to spend at the store, but she no longer did because she spent her’s all at once on Pokemon cards instead of saving it and waiting to get something she really wanted. Did I just reach into my purse when she asked if she could borrow money? Nope, it’s a lesson learned!
We hope to keep pounding financial responsibility into our kids heads as they get older, as we clean ourselves up, we do have 1 credit card, we keep it at a low limit, and something we can use in an emergency yet pay off quickly. No longer do we use it just to use it because we want something.
Lesson Learned, and Lessons being given! I don’t want my kids to fall into the same trap we did!
Check out this audio clip called Drunk on Credit by Dennis Miller and check out My Job Chart to help you find ways to talk to your kids and help them learn about financial responsibility.
August 15, 2013 – 1:25 PM - | Posted in daily life | 3 Comments »
Banana Cinnamon Waffles
What You Need
2 whole-grain toaster waffles
2 tbsp peanut butter (or Nutella)
1 tsp honey (or agave nectar)
¼ tsp cinnamon
What You Do
- Toast the waffles to desired crispness.
- Spread the peanut butter on one side of each waffle.
- Slice the banana into ¼ inch rounds.
- Place the banana and honey on one side of the waffle, and sprinkle with the cinnamon.
- Close like a sandwich and enjoy.
Excerpted from Kitchenability 101: The College Student’s Guide to Easy, Healthy, and Delicious Food by Nisa Burns, www.Kitchenability.com. Makes one serving.
August 15, 2013 – 9:51 AM - | Posted in recipes | 3 Comments »
I’m sure you’ve heard about or may have even visited so many T-Shirt design sites online that allow you to create your own T-Shirt. Yea, there’s a ton of them out there, however, the one I’m about to tell you about is a little different than the rest!
Teespring.com not only allows you to make custom apparel such as t-shirts, but it’s more, it’s a Crowdfunding site. What is Crowdfunding? Well, let me explain how Teespring.com works.
Teespring.com allows you to make custom apparel, and then sell it on your own campaign page, think of Kickstarter, it kind of works like that. You create, make a campaign page and then set a minimum goal that much be achieved in order for the shirts to be made and sent out to the buyers. If no one orders, your shirt doesn’t get made none are sold, and you’re not out of money by having 1000 shirts printed and shipped for no one.
Not only is this a great option for those wanting to make extra cash, but it’s a great way to fundraiser. Teams, Schools, different groups can create a shirt, send people to the campaign page and they only sell the ones that are ordered once their minimum is hit. There’s nothing else to it!
Check out some of the fundraising campaigns that have already happened on their site.
A couple sold this “Love makes a family shirt” to raise money to adopt: http://teespring.com/chrisandshelleyadopt
This one included children’s and toddler’s shirts to raise money for an 11-year-old to sing in a children’s choir in Hungary: https://teespring.com/bunnygirlsings
This one raised over 85k for Boston relief: http://teespring.com/staystrongboston
Teespring.com is very easy to use, I’m thinking of bringing it up at our PTO meeting this year to sell some shirts for my kids school. We had ordered t-shirts and apparel a while ago and it took forever to have them all sold after we had already paid for them, in fact I still think we have some available 2 years later, and we’re just out that money.
I played around with it a little bit earlier. You choose the design of the shirt, meaning there’s a variety of styles you can choose. From tank tops to t-shirts to hoodies, in unisex and men and women styles.
Once you’ve chosen the type of apparel you’d like, you can upload your artwork or use their design tools to create something, they also have a pretty decent variety of fonts that you can choose.
Once your shirt is created, you then decide on the price and your sales goal for your campaign. You can set your goal to sell as little as 10 or up to 1000, the choice is yours. Remember, your goal is the minimum number of shirts that have to be ‘reserved’ in order for them to be printed. Once you’ve done that, then you select your selling price, Teespring helps you out by showing you how much profit you’ll make once you reach your minimum goal. You then select how long you’d like the campaign length to last and then your ready to go!
TeeSpring is amazing, if you’re looking to create custom apparel or for fundraising, this is the place to go!
August 14, 2013 – 11:23 AM - | Posted in Reviews | 2 Comments »
If you’re young there’s no time like the present to start educating yourself about money matters. Having a better handle on money now could help you to avoid potential problems in future.
Here are a few things you can do to improve your financial outlook:
If you’re not saving at the moment it’s time to make a change. Even if you’re currently paying off your credit card and juggling other bills it’s always wise to have an emergency fund to hand. No one likes to think of unexpected expenses hitting them, but if they do occur and you have made preparations it’ll be less of a headache. Try to put a bit aside every month and treat it as you would other non-avoidable expenses.
Improve your credit score
Deciding to apply for a credit card might be a good decision for your finances in the long term. If you handle it correctly it’s a great way to boost your credit score, which will improve your prospects of being approved by lenders for mortgages and other loans in future. Even if you don’t feel the need to use a credit card to supplement your income, using it to buy something occasionally and paying your bill on time and in full each month will show lenders you can be trusted. Be careful not to fall in to the minimum payment trap though, as this could lead you to paying out far more than you’d bargained for.
Increase your earnings
If you’re lucky enough to have a skill that is likely to be in demand by others it’s a good idea to make the most of it. For example, if you’re able to write well, why not consider contributing articles on subjects you’re comfortable with? Even if you work full time you might find dedicating a few hours each week to another task reaps financial rewards in the long term. In fact, if you think about it you’ll find there are loads of ways to boost your income.
Start a retirement plan
It might seem strange to consider to make preparations now for years in the future, but there’s no time like the present to start adding to a pension fund. Many employers offer a scheme where depending on how much you put in, they’ll increase the percentage they add. It’s well worth taking advantage of this, as it’s not every day you get something for nothing.
August 10, 2013 – 1:39 PM - | Posted in Financial | No Comments »