Why You Need A Last Will Or Living Trust Now: This is kind of morbid, but Aaron and I recently meet with our attorney to draw up our wills and living trust. After almost seven years of marriage, we decided to get on the ball and have a professional will and trust executed. It hasn’t been a fun process. Preparing a will makes you think of all the worst case scenarios. Now that we have a new baby, all of a sudden everything becomes just a little bit more important. With our older girls, it wasn’t much of an issue since we knew that if ... Read More about Why You Need A Last Will Now
How To Pay Off Debt With No Money: Paying off debt when you have no money is hard. To be blunt, your debt is making you broke, which means you can’t pay off your debt. It is a vicious cycle that you have to break in order to get ahead. So let's play a game of pretend. If you are average and making $50,000 a year then you are most likely bringing home around $3,300 per month. Your rent/mortgage is likely around $1,000-1,500 which doesn’t leave you much wiggle room for the other basics like food, gas, and utilities. You definitely don’t ... Read More about How To Pay Off Debt With No Money
How To Teach Honesty To A Child: Today I saw something that helped restore my faith in humanity. As I was checking out at Target a lady a few people in front of me was wrestling with 3 kids all in ages from 3-5. You could tell that the kids were done, they were tired and cranky and honestly kind of making a bit of a scene. The mother was obviously tired as well and you could see the frustration on her face as she finished up and walked out of the store. She was done too! As I was leaving, I had to stop at the exit to put my daughter's ... Read More about How To Teach Honesty To A Child
What is the Most Important Step in Retirement Financial Planning? There are a ton of articles highlighting the financial reasons behind saving for retirement. In fact, I read an excellent one this morning entitled “The 3 Money Magic Tricks”, which highlighted the importance of the time value of money, compounding interest and dollar cost averaging. All financial terms you hear regularly when it comes to retirement planning. Are they important – definitely! This article isn’t about any of that stuff - just ignore the financial terms for ... Read More about What is the Most Important Step in Retirement Financial Planning?
What Food To Include In Your 72-Hour Kit: It is time to redo my 72-hour Food Kits. It isn’t my favorite chore of the year, but I do like knowing I have enough food and water to last if a natural disaster happens. Bug out bags or 72-hour kits are designed to keep you alive for 72 hours in a disaster situation. This is usually long enough for emergency crews to reach you or for you to self-rescue. They are also great for surviving the zombie apocolypse. My husband, Aaron and I are campers and hikers, so my food kits are designed with a ... Read More about What Food To Include In Your 72-Hour Kit
Inexpensive & Fun Summer Activities for Toddlers: I’m dealing with a dilemma I’ve never had to worry about before. I’ve got a 14-month-old baby that I have to keep entertained on the days I’m not working. I know for my readers who are long-time mom’s you are laughing your head off. I don’t know why I hadn’t thought of this, but seriously I’ve got to start finding ways to keep her occupied or I’m going to go crazy. She is at that point where she wants to get into everything – and I do mean everything. Finding fun educational ... Read More about Inexpensive & Fun Summer Activities for Toddlers
6 Ways To Save Money On Your Current Bills: I'm always looking for ways to save money on bills. This is particularly important with monthly reoccurring bills. If you are overspending by $10 per month on multiple bills, it can make a huge difference in your families budget. When was the last time you reviewed your cell phone, cable, dish network or internet bill? What about the random bills like your google drive, iTunes or other miscellaneous costs. I bet if you take a few minutes and look at your most recent bills you will notice a ... Read More about 6 Ways To Save Money On Your Current Bills
How To Nurture A Love Of Reading With Your Baby: I’m a reader. Some of my earliest memories are of my Mom reading to me. She read to us all the time and would drop anything if we had a book in hand. I was the oldest of six kids and remembered coming home from college to find her still reading to my brothers who would have been in middle school at the time. I sat right down and listened too. Reading was an important part of my early education. I remember in elementary school being bored in school. I would go to the library before school ... Read More about How To Nurture A Love Of Reading With Your Baby