Nanny to Mommy

Saving money to can make you feel happy. To know that if you need it, then it's there is like a snuggly security blanket. But many people have issues saving money because of financial constraints or deep-rooted spending habits. When I first became a stay-at-home mom, going from two incomes to one was definitely a HUGE learning curve. I was use to going out and getting whatever we "needed", instead I now had to sit down with my husband and figure out if we really needed it and how long it would take until we could purchase it. But what about bigger purchases? Like having a baby, a new car, or even a college tuition? Or what if something happens?

Of course I am no expert on saving money, that's why I was excited when financial expert Nicole Lapin teamed up with Capital One Back to help consumers 'Challenge Your Savings' to make up for those bigger purchases simple and easy.

When it comes to financial goals like saving for a college education, she encourages individuals to get into the nitty gritty - no detail or expense is too small when you’re trying to get a sense of your overall financial picture, especially when it comes to saving. I encourage you to watch the video below to get a better picture of how to effectively plan and save up for a college education for your children.

Is your new year resolution to learn how to manage your budget and lower your monthly bills as well? My husband and I worked really hard to get ourselves out of debt when we were making barely minimum wage and I am so proud of the progress we have made. It is hard working, but so rewarding. I have compiled a list of simple solutions to help you towards your money goals. 

If you’re a parent and you feel like you’re spending more money than you should be spending, it’s a good idea to take a fresh look at your approach to money management. There are so many ways to spend less and spend better so that you never end up short changing yourself.

As a parent, you’ll know how expensive life can be, so why make it even more so? We’re going to talk about some of the things you can start doing in order to spend less and manage your money better as a parent, so keep reading to learn more about that.

Maintaining a home is no easy task. It can be downright daunting, especially if you don't know where to start, and if you live in a particularly old or large home - and that's why so many people put it off until it's necessary, resulting in a never-ending cycle of frustration and repair bills. But it doesn't have to be that way! With a little bit of organization and some basic knowledge, you can keep your home in great condition without breaking the bank or tearing your hair out. Here are some tips to get you started:

The festivities of Christmas 2019 may have just finished, however it is important to remember that looking already at Christmas 2020 could be a very profitable and sensible thing to do. If you have children, it can be very important to get ahead of the game and look at good sales and look at lots of other things that can be purchased in advance that can really cause a problem to your wallet. Undoubtedly Christmas is expensive. The average person spends around $650 per Christmas, which for some people is a monthly wage or half of their monthly wage. Having extra disposable money is not a privilege everyone has and so shopping thriftily, looking at sales, working out a plan for the coming year and getting ahead of the game can really be a game changer and take the pressure of the coming Christmas. If you have a lot of people to buy for, the pennies can easily add up; however, Christmas is not just the price of gifts and Christmas cards. It is also a multitude of other things, from Christmas clothes, Christmas decorations, Christmas tree, food and so much more. Although it is a time for giving and celebrating, the statistics for people getting into debt around Christmas time are shocking and racking up bills on your credit cards that you can’t afford to repay, will do nothing for your credit rating and your financial status.

In the following guide, we’ll look at the best ways you can save money while shopping online!

For one, you may be interested in signing up directly to your favorite brands or stores online. As a member, you’ll often be applicable to special discounts and other advantages to save on costs. With or without membership, many brand/store sites offer special cost advantages. For instance, Misguided provides 50% off once you sign up to their site and Calvin Klein offers free delivery on sales of 2 items or more!

There’s no doubt about it; babies are expensive. If you’ve never been good with money, here are some tips to help financially prepare yourself for your new bundle of joy.