Mom’s Got This Covered: How To Be a Financially Smart Young Mom
Being a young mom isn’t easy. Looking after your kids can be a full-time job and one that doesn’t pay well – if at all. Whether you’ve got savings, your partners working, or you’re heavily reliant on child support, we’ve put together some financially savvy tips that will help you take control of your family’s budget.
Increase Your Financial Awareness
Now’s the time to get to grip with your finances, especially if you haven’t done this before. You need to know exactly where all your money’s going, from getting your hair cut to treating the kids to a meal out.
If you know where your money’s coming in and going out, you’ll be able to work out where you can make potential savings. Equally, if you’re paying off a number of loans, it might be worth consolidating them (try here) so you can manage these payments with ease.
Create Lists So You Aren’t Tempted by Other Things
Unfortunately, it’s very easy to get sucked into impulse buys, especially if the kids see something they want. However, over time, these little costs can start to add up.
So, to avoid making these types of purchases, make a list before you go shopping and stick to it. Even if something catches your (or your child’s) eye, resist it and think about it. You might realize it’s worth buying, but, as is often the case with impulse buys, it’s probably not worth it.
Use Handy Tax Breaks
You might not realize this, but to make ends meet you can actually use your taxes. Up to 35% of your child’s daycare costs can be covered by your childcare tax credit. And you can also try and reduce how much of your income is taxable over the year by putting down your children as dependents.
These credits can save you a lot of money when it comes to paying your taxes but will depend on how old your children are and your annual income. It’s worth checking out what you’re entitled to so you can get the most out of your tax benefits.
Find a Way of Supplementing Your Income
One of the hardest things about being a mom is finding work that’s flexible. You don’t want to sacrifice the time you have with your children but could do with the extra money to cover your bills and pay for nice treats for the kids.
Thankfully, in the ever-growing online world, there are a number of avenues for supplemental income. For example, you might want to try signing up to sites that offer you incentives for completing consumer services. Or, if you’re creative you might want to have a go at setting up your own blog or becoming a freelance writer. Other roles include becoming a brand ambassador or virtual assistant – all of which allow you to work when the baby’s asleep or you’ve got five minutes available.
Even though these tips are simple, they could save you plenty of money over time. You just need to be aware of your finances and get creative with how you save and earn your money.
Things to Demand From Your Carpet Cleaner
Are you unhappy with the job that your current carpet cleaning company has done for you? If so, you will need to find a new company to clean your carpets as soon as possible. You should not make the mistake of hiring the first company you see listed online or in your local phone book. You need to be much more selective than that if you truly care about the condition that your carpeting is in. The following are some essential items that you should demand from the company that you eventually hire to clean the carpeting in your home.
1. You need to be certain that the carpet cleaners you hire have a valid license to work in your state.
Most people just assume that their carpet cleaners are all licensed. Therefore, they do not think to ask to see this credential before the people begin working in their home. unfortunately, there are many unlicensed carpet cleaners out there. Why is it so important for your carpet cleaners to have a license? A person will need to pass exams held by their state to show that they know how to safely use their cleaning equipment and chemicals. There are also cleaning techniques that they must learn in order to get a license. Unlicensed carpet cleaners will not have these skills.
2. Verify that your carpet cleaners all have current insurance coverage.
You never know when something will go wrong. A carpet cleaner could have an accident that damages your property while they are cleaning your home. This is why it is so important to find out if your carpet cleaners have insurance coverage. This insurance will reimburse you for any damage to your home or property that the carpet cleaners might cause while they are working. You should never allow carpet cleaners into your home unless you see their current proof of insurance.
3. Your carpet cleaners should not leave until you are completely satisfied with the work they have done.
Do not hire a carpet cleaning company that simply packs up and leaves without asking you if you are satisfied with their work. Green Choice Carpet Cleaning of NJ is an example of a company that will keep working until you are happy. You should also look for a company that uses Eco-friendly cleaning supplies so your pets and family will not get sick.
10 Ways to Make $100 This Month
10 ways to make money this month for anyone that has been behind. Saving money and having a nest egg isn’t always easy. There are a lot of us living paycheck to paycheck, or month to month. Getting hit with an unexpected bill can throw us, and our finances, off kilter. Maybe your car broke down and you need an expensive repair. You have an emergency vet bill. Sometimes people spend more than expected at Christmas and then in January are behind. Here are a few tips I’ve used to make $100, or more, from home or nearby. Not all of these tips will work for everyone. But if you are desperate you have to try everything.
Easy Ways to Make Money
- Fire your gardener. Find a cheap, used lawnmower and edger and do it yourself. Have your kids help. Added bonus- it is good exercise. My gardener was $75 a month. That really adds up!
- Create a drought-scape yard. I removed all my grass and put in woodchips. Besides not needing to mow my lawn, I’m also saving about $40 a month on my water bill. You can always plant a garden with your extra space and save money by growing your own Organic Plants and vegetables.
- Drive for Uber or Lyft. How much you make depends on where you live and the hours you put in. I’ve met a few people doing 4-hour shifts and making an extra $300-400 a week.
- Sell your old cell phones. If you have upgraded your cell phone, tablet or iPad you can sell your old ones and get decent money back.
- Sell used textbooks online. I have sold some of mine for $50-200 each!
- Sell your hair. If you have long hair you can find places that will buy it and use it to make weaves and wigs.
- Sell things you don’t need. Gifts you received, expensive clothing you never wear. Jewelry you don’t want. You can sell on Craig’s List, in local Facebook selling groups and Facebook has a brand new MarketPlace.
- If you like to draw or color you can sell your artwork on RedBubble and make money via online sales. My daughter signed up for this and has so far sold some stickers of a violin she drew. Join the Redbubble affiliate program and earn money when your friends sign up too.
- Have a garage sale. Get rid of clothing your kids have outgrown, stuff pilling up in the closets and in the garage and get rid of it. You’ll be decluttering and making money. I have a garage sale every year the first Saturday after Christmas and I usually make about $800! No one ever has a garage sale on this day so I get all the customers from cities all around me.
- Teach a trade! Can you sew, knit, crochet, cook? Do fancy nail art? Get creative. Offer classes to locals and make some money. Average rate you can charge is $10-15 per class. Get a few students and offer once-a-week classes and the money adds up.
If you are behind on your bills due to a big emergency you can try Modest Needs too. It isn’t an easy application but they help give people money. I know someone that had one house payment paid and another person that had an $1100 dental bill paid. They have some guidelines but are a great organization helping others get on their feet.
8 Tips For Keeping Dyed Hair Vibrant & Bright
Nothing like have a brand new hairdo and having the color fade out immediately. Want to learn how to keep the color? Hair dying is something some people do once a year and others every few months. Red colors fade quicker than browns, blacks and blonds due to its large color molecule. Besides redying often, there are some tips from hair dressers and other people that regularly dye their hair on how to keep the colors vibrant, bright and to reduce fading.
- When you dye your hair, dye it when it is dirty. Yes, crazy, but clean hair does not hold the dye as well.
- Wash your hair less. By reducing the frequency of washing it will reduce the color being rinsed out.
- When you wash your hair use shampoo less. Either just wash with water or use conditioner and not shampoo (I do this to rinse and detangle my hair). You can even try dry shampoos for in between showers.
- By shampoo and conditioners that are Sulfate-free. I like Soapbox products that are color-safe and Paraben-free and have yummy coconut scents.
- Wash hair in cold water.
- Reduce amount of heat to hair by blowdrying less and let hair dry naturally or towel dry.
- After you color your hair don’t wash it for 24 to 48 hours. This will help the dye set better and last longer.
- Use a shampoo for colored hair. If you use ones with colored pigment in them they will help keep the color fresh.
For me, I dye my hair to cover the grays the like to come in on my hair line and drive me up the wall!
Don’t forget not all hair products are created equal. It is important to buy quality dyes that do not burn or dry out your hair. I like buying my hair dye, gloves, developer and reusable bottle at a beauty supply store. They have great prices and employees that are familiar with hair products and how they are used. If you aren’t good at coloring your own hair, go to a salon and get it done and then learn how to do touch-ups. I also like to use Gray Magic (I added a few drops in the bottle with the dye and developer). It helps color over gray hairs and keep the dyed hair color bright and long lasting.
Dating For Single Moms On Valentine’s Day
So, it’s finally happening – after years of being a single mom, you’ve actually got a date for Valentine’s Day! Punch the air, jump up and down, your day is coming! But, after the initial excitement has faded, you might start to feel more than a little nervous – what on earth are you going to wear, how do you talk to him, and should you avoid the spaghetti? Here’s our guide on getting it right…
Preparation is the key to helping you feel in control and less like your legs are going to turn to jelly at any moment. Don’t wait until a few hours before your date to start thinking about what you should wear – plan your outfit now. You can get the perfect look with a great discount if you Register to Get Exclusive Offers And Promotions online, but do it today so that you are all set for the big day. Choose something that you will feel comfortable in, and that isn’t a million miles away from your usual style: trussing yourself up in a revealing mini-skirt and skimpy top combo will only make you feel more self-conscious. Make an appointment to get your hair styled, and if you can’t manage that – buy yourself a home dye kit to refresh your locks.
Making sure the kids are taken care of will mean that you can totally relax while you’re out on your date. Arrange for a friend or family member to babysit well in advance, and see if you can get them to have the kids to stay overnight – not necessarily for getting up to anything naughty, just to give yourself the chance for a real break and to feel totally chilled before and after the big date. Tell the children that you will be going out in a couple of weeks’ time (you don’t have to tell them where or who with!) so that there’s no confusion on the day and they understand that mom is just popping out for a bit to enjoy herself.
Make sure you’ve got some cash, even if your date has already said he’s going to be picking up the tab. You’ll feel much more confident and at ease if you have some money in your pocket – it means that you can offer to buy a drink or two without worrying, and you can get yourself home without any help if things don’t work out as well as you thought.
Eat a little before you go, even if you’re going out for dinner. If it’s been a while since your last date, it can be all too easy to get carried away with the cocktails. Having a small snack before you head out means that any alcohol won’t go straight to your head – and you are less likely to start telling embarrassing stories about your ex!
Dating as a single mom isn’t easy, but it can also be really exciting too! If it all sounds too much, read our guide on how to do Valentine’s Day with the kids – but don’t rule out getting yourself back in the game, you never know where it might lead!