It is no secret that moms are always busy. Cooking, cleaning, preparing lunches, going on school runs, swimming lessons, grocery shopping and that’s not taking into account the art of balancing home life with working a part- or full-time job. It can be difficult to juggle everything when there are so many demands placed on one person’s time and financial constraints. Sound familiar? Are you struggling to manage your money on top of everything else you have to do? The following are four tips that will help keep you on track.
Whether you want to take the kids away on vacation, pay an overdue bill or redecorate your bedroom, having a rainy-day fund will help. Start small by adding excess money you have leftover each month into a savings account. Give the account a boost every so often by de-cluttering your home and selling things you and your family no longer need/use. If you need quick access to money for an emergency or for a large expense, you can always take out a personal loan from a private lender. You can get matched in less than sixty seconds and enjoy low interest rates and a monthly repayment that’s totally manageable. The important thing to take away from this point is you should always have a rainy-day fund and a backup plan should you need money fast.
Taking the kids to the movies is something we all love but it costs a lot of money. Going to the local waffle house is also a lot of fun but that too costs money. To cut costs, why not make trips like these a monthly outing instead of a weekly one? The kids don’t even have to miss out as you could organize an awesome movie night at home with their favorite home-cooked meal and lots of treats. A side bonus of doing this is you’ll all appreciate family outings so much more and that is always a good thing.
Planning is essential when it comes to grocery shopping. Make a list of the items you need before leaving home and go solo if you can (we all know the cart is filled much faster when there are kids involved). Meal planning will save you even more money so sit down at the start of each week and decide what you’re going to have for dinner each day. This way you’ll only pick up the ingredients you need, limiting the amount of wasted food you throw out. There are lots of great apps out there that will let you create lists within lists so explore the options available on your app store.
When you do want to eat out as a family, choose a child-friendly restaurant. Go online and check the kid’s menu and what kinds of specials they’re offering at specific times of the day. Is there an hour where kids eat for free? Or maybe there are discounts available when you spend a certain amount? These are all excellent promotions to take advantage of if you want to make savings.
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