Are you making financial resolutions for the new year?

I'll be honest. As you begin to establish new financial habits, staying on track financially will feel hard at first. However, if your goals are important enough and you believe that you can stick to a budget, saving money, and living the way you want and need to live, you’ll be able to do it, and it’ll feel great — even fun.

Financial Resolutions - 10 Tips for Staying on Track 

Set Clear Financial Resolutions

The most important thing to remember about staying on track is to start with realistic financial resolutions. After all, you cannot live in a mansion if you don’t make that kind of money. Even if your goals are modest due to a modest income, if you set your financial resolutions realistically then you can still reach them.

Automate Bill Payment & Savings

Late payment fees can add up very quickly and throw you off course. When you pay even one bill late, the interest rate on your other debt can go up, too. Thus, it's h...

Creating a household budget is one of the most empowering steps you can take toward financial clarity. A good budget helps you understand where your money is going, stay in control of your spending, and make confident decisions about your goals. And while setting one up might feel overwhelming at first, the clarity and peace of mind you gain are always worth it.

If you’re ready to get organized, feel more grounded with your money, and create a plan you can actually stick to, here’s a simple and supportive guide to help you build a household budget that works for you.

Step 1: Set Up Your Budget Framework

The hardest part of creating your household budget is setting a framework for the budget. By doing this, you’ll always have a template that you can fill in. Many people choose to use a spreadsheet to keep track of their income and expenses while others prefer the more traditional approach of using a notebook or calendar. No matter which method you prefer, you can get prepared to fill...

With the kids home from school and plenty of fun things to do throughout the season, it’s challenging to stick to a budget during the winter vacation. Armed with the right tips, you can help yourself save money by staying on budget during the winter vacation! 

Winter vacation is not only expensive, but it can also be draining emotionally and mentally. It’s important to stay engaged and continue enriching your life no matter how low the temperatures dip! 

Stick to a Budget by Enjoying Free Activities 

Many places have free activities you can do during the winter months. From driving around looking at Christmas lights to participating in a Polar Plunge, you can try so many fun activities that are winter-friendly. Get your kids involved in free activities and keep them happy throughout the entire (YES!) winter vacation!  

To find free activities that will help you stick to your budget, check community social media pages, bulletin boards, and even chambers of commerce for ideas. Even i...

If you’ve got a big family or a huge group of friends, the cost to entertain all of them over the holidays can really add up. These affordable holiday entertaining tips to save you money will make it easier to host quality time with your loved ones with less of a drain on your Christmas cash! 

Big-Batch Drinks 

Whether you’re making your signature cocktails or going for a more family-friendly hot chocolate option, making the drinks in a big batch will help you save some money while serving your guests! Punch, mixed drinks, and gourmet hot chocolate all taste delicious when you make them in large quantities and your guests will appreciate being able to get what they want when they want! Since you’re saving more money by making the drinks in bulk, you may even be able to afford to have different options for your guests! 

One-Bite Desserts Are Delish

Who even finishes a giant piece of cheesecake anyway? Bite-sized desserts are so much easier to handle, and your guests will love how sw...

I never fully appreciated the stress of the holiday season until l had kids. I remember our first Christmas together very well - mostly because I was so unprepared for everything. For those who don't know, I adopted all three of my children at the same time, so I went from a low-key Christmas with no children to creating Christmas traditions for a family of 5. 

I waited until the last minute to shop, and the stores were sold out of a lot of stuff. I was worried that if I ordered gifts online, they wouldn't come in time. We got through it, but it definitely was not one of our more graceful holiday seasons. That's a picture of my three kids from our first Christmas together below.

Related post: Why This Busy Mom Loves Amazon Prime & How to Get It Discounted

The holiday season is one of the most stressful times of the year with family pressures and financial pressures. Between the gift-giving, entertaining, travel, and the regular monthly expenses, it all adds up to an expensive time...

Afraid to talk to your spouse about money problems? Money is a common argument amongst couples, and unfortunately, it often gets so bad that it leads to divorce. The earlier you can address financial stress in your relationship, the more likely you can resolve it. The best thing you can do for your relationship is to work together to solve your financial problems.

Premarital counseling can prevent a lot of problems. The theory is that talking about significant issues before getting married can reduce the friction caused by different beliefs and behaviors. Discussing topics like child-rearing, managing conflict, and managing money are essential before getting married. Waiting to sort out the differences after the honeymoon period can be hard.

If you've been married a while and now realize that you and your spouse don't agree on finances, it's important to get a handle on things before they affect your relationship. Money can create a great deal of strain in a relationship.

What shoul...

Wondering how to save money while raising a family? You are not alone. I can't tell you how many moms have told me they can't save money because their kids always need something. I can relate. I have three kids that are continually growing out of clothes and shoes, wearing a hole in their backpack, or any number of other things. With that said, it's absolutely possible to save money while raising a family.

Related post: How to Create an Annual Household Budget

10 Tips on How to Save Money While Raising a Family

Commit to saving

First and foremost, successful saving starts with commitment. Saving consistently and automatically is essential to reaching your financial goals, but you won't be successful without a goal. Consider the following:

• What are you saving for?
• How much money do you need or want to save?
• What's the timeframe?

Once you have your goal in place, automate those savings deposits. You can do this in a couple of ways:

1. Set up automatic transfers from your spen
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Do you wonder how to effectively teach your kids financial responsibility? The financial behaviors we impart to our children are significant in shaping their future money management skills. As a financial advisor who frequently encounters deeply ingrained money habits, I understand the importance of these early lessons and aim to share them with my own children.

Teaching kids financial responsibility starts at home. My children, although young, exhibit distinct attitudes towards money, highlighting their understanding and unique relationship with it. The core principle I wish to instill in them is that they are in control of their own financial situation. This understanding becomes particularly clear with my youngest, aged seven.

A real-life scenario unfolded recently when my 12-year-old son prepared for a camping trip with his Boy Scouts Troop. A portion of funds from the boys' fundraising activities are allocated to their scout account, teaching them the value of money. The account...

By Kelly Greene

Your bundle of joy has arrived and through the endless laundry, sleepless nights and spit-up on your clothes, you don’t want to be stressing about money. We want the very best for our children but do they really need all the fanciest items and expensive gadgets as infants? We easily fall prey to these things, especially with our first child. Many of these items aren’t necessary or can be obtained in much cheaper ways.

Here are 10 money-saving tips for new moms:

1. Buy gender-neutral items. It’s hard not to want your baby girl’s nursery to be the epitome of a pink princess palace, but a few years down the road when you have your son you’ll wish you had opted for something more neutral. 
2. Consider convertible items. There are so many great options now like cribs that can convert into a big kid bed later. Car seats and strollers also come in more options that will last longer as your child grows. 
3. Don’t dismiss second-hand items. Of course, it’s great to have shiny new
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by Kelly Greene

It's that time of year again! Many moms celebrate the end of a summer full of video games, "I'm bored," and coming home to a sink full of dishes and cups (and what is up with those cups?!? How many cups does one child need in a day?) But, celebrating aside, this time of year can cause some financial stress. School supplies, activity fees, equipment, and, of course, CLOTHES. It seems the older your kids get, the more costly these things become. So what are some ways to save money?

1. Recycle school supplies from last year. Most kids didn't use the entire box of 24 pencils or 12 glue sticks that were on last year's list. Scissors last an eternity, markers still have some juice and a backpack can be washed. 
2. Stock up for next year during this year's back-to-school clearance sales. I've seen prices slashed up to 80% a few weeks after school started. 
3. Look on Craig's List, Offer Up and at thrift stores for athletic equipment. You'll be amazed at what you can find. After a
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