Browsing Tag

how to save money


3 Month Plan for Getting Your Family Finances on Track

Having a family is one of very most rewarding and fulfilling things we have in our lives. Family fills our memories with a lifetime of “firsts” and “the best” type moments. I really believe that there isn’t anything else that can bring more everlasting happiness then our families!

But that doesn’t mean if we have a family then we have everything set and we won’t ever have any challenges in our life. Not at all! One of the top causes of stress within a family is propelled by family finances.

3 Month Plan to Control Your Family Finances. Love that this article has real world tips to help manage family finances. Very helpful advice for family finances. Continue Reading →


Teaching Kids About Money by Saying “No!”

“No” is just a part of life. It’s not the fun part and can be a hard lesson for our little (or big) kiddos to learn. As a parent, it can be hard to be the one teaching this lesson.

But we want the best for our kids and our family, sometimes that can mean we have to say no. I’m not sure anyone likes to tell their kids no. It’s definitely not my favorite.

But here’s the thing. If we want to be teaching kids about money then we need to teach them about self-control, especially when it comes to your budget.

Teaching Kids About Money - penniesintopearls.com - 3 tips on how to be teaching kids about money. Saying no will help in teaching kids about money/ Continue Reading →


How Much to Pay a Babysitter


Okay cool, I got a babysitter for Friday night! But how much should I pay her?

I remember the first time I was hiring a babysitter for my sweet little baby girl. I was so nervous! I was nervous about leaving my baby at home and I was nervous because I had no idea how much I should pay her!

You have all your date night ideas all planned out but what about the babysitter? AND how much are you going to pay the babysitter? 5 guidelines for paying your next babysitter on date night.

You don’t want to pay too much on the first job. That would set the bar too high! You don’t want to pay too little or she might never come back!

So naturally I started asking all of my friends what they paid their babysitters. I was a little surprised to hear how much everyone’s answers varied. Some paid on the high end around $10+ per hour and some were paying about half of that.

The hard answer to the question is that it really just depends on the babysitter and the circumstances of the job.

I found that the families paying more money per hour, were expecting a lot more for their money. Here are a few tips to help you decide how much to pay your next babysitter.
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How a Budget Can Strengthen Your Marriage

It happens to almost everyone… You decide it’s time to sit down and look over your bank account and your budget. Both you and your sweetie are dreading the conversation because you just know that it is going to end in a high intensity discussion and you would rather cuddle up and watch a movie on the couch.

Although I wasn’t able to specifically pin down a cold-hard statistic on how financial issues influence marriage, I think it is safe to say that financial problems are one of the highest influences when it comes to marital disagreements.

But guess what! Going over your budget doesn’t have to involve a yelling match. We all know we should never yell in our homes. Right?

How a Budget Can Strengthen Your Marriage - penniesintopearls.com - 3 tips in budgeting that will help you strengthen your marriage. Easy things every couple should be doing with a budget to help strengthen their marriage. Continue Reading →


3 Tips for Cooking on a Budget

What is the hardest thing for you when it comes to setting and keeping a budget?

As I have asked several different people what their number one hang-up is when it comes to budgeting, their answer is almost always related to food. Either they have a hard time staying within their grocery budget or they can’t resist the urge to eat out.

Cooking your meals at home is a guaranteed way to save money when compared to eating out. You do need to be careful! If you get too carried away with fancy ingredients, that grocery list can add up your dollars very quickly. To keep yourself on track make sure to follow these 3 simple ideas for cooking on a budget.

3 Tips for Cooking on a Budget - penniesintopearls.com - Follow these 3 simple tips to help save money while cooking on a budget. Living pretty for just pennies. Helping you live frugal and fabulous! Continue Reading →