What is your biggest fear? Ask a child and they may respond that it's spiders or snakes or some other creepy-crawly. However, as we grow older, we begin to realize that there are other kinds of things to fear. For example, fear of losing a job or fear of not being able to pay the mortgage.
The consequences of the things we fear can seem unbearable. Money fears are no different. So, what do most people do? Lie and hide. That's right. I said they lie and they hide. They lie to themselves about how serious things are, and they hide their fears or their consequences from others.
Some of these may be the very people who could help, but fear and shame keep them from admitting they are in trouble.
Getting honest about money when you are in trouble feels risky. In some cases, it can cause harm, and in others, it can create worse case scenarios. From missing a payment and having an adverse credit score to causing financial damage to a business or institution,...
Entertaining for Halloween can be fun, but between the costumes, the spooky decorations, and the candy for all of your neighbors’ kids, the cost can add up quickly! Save some money this year with these frugal Halloween finger foods. Bonus: because they are finger foods, you won’t need to provide all of those plastic utensils. See, we are saving money already!
Serve your guests hot dogs with a few notches cut out of them for a literal take on frugal Halloween finger foods. Hot dogs are inexpensive, kid-friendly food, and easy to serve. To turn your average hot dogs into fingers, cut a small square out of the top portion of the hot dog for a nailbed look. Cut three lines underneath that and three more about halfway down the hot dog. Serve the hotdogs with some ketchup on...
Halloween will be here in no time. With three children, the amount of candy that comes into our home is ridiculous. I don't like to give me kids a lot of candy anyway. They act like different people when they're hyped up on sugar and not in a good way. I usually end up donating some of it and throwing out what remains in December since they bring home a ton of candy around Christmas, too. That seems like a huge waste of money to me.
I've noticed more and more of my neighbors handing out non-candy items for trick-or-treating, and I really appreciate it. The juice boxes, granola bars, and pretzels never go to waste in our house. One of our neighbors even does little stuffed animals or glow sticks, and my kids are always really excited to get those.
If you are seeking non-candy alternatives that won't diminish the...
Every year our elementary school PTA puts on a fantastic Fall Festival and every year we are trying to coming up with new ideas on a shoestring budget. We have been very fortunate that one of the parents always donates his DJ services so we always have great music.
Here are some of my favorite activities that we've done in recent years.
Collect empty 2-liter bottles to use as pins and get some small to medium-size pumpkins to use as bowling balls. You'll need 8-12 bottles. If you want to make the game extra cute, spray paint the bottles white to make them look like ghosts. After they dry, use a permanent marker to draw eyes and mouths.
Set the bottles up like bowling pins and use the pumpkins to try and knock them down.
Kids can't get enough of this one and it's fun to watch, too. That's my daughter in the picture above. Hard to believe she used to be that little when she will probably be taller...
As a teacher, dressing up for Halloween can be difficult. It’s hard to find a costume that’s not racy, scary, or could potentially offend someone. A safe choice for teachers is usually a book character, but you’ve been Hermoine the past four years and it’s expensive to dress up like a bus, Miss Frizzle. Instead, use these budget-friendly book character costumes for teachers as inspiration!
Related post: Our Favorite Budget-Friendly Halloween Costume Tips
The Rainbow Fish
This is one of the best budget-friendly book character costumes for teachers and you can even whip it up the night before! Make your own multi-colored tutu for the rainbow part. Tulle is inexpensive and making your own tutu couldn’t get easier.
You’ll also need a blue shirt and some felt to create scales on your shirt. You can sew the scales on or use hot glue to keep them in place. All in, the project should only set you back a few dollars!
The spooky season is finally here! Get ready to bump into Halloween décor in almost every store you visit. From food ideas, Halloween-themed décor to various crafts, it can be difficult to stay on track with your budget and yet still enjoy the season. Check out these 9 inexpensive Halloween party ideas that can be created (or purchased) without breaking your budget.
Turning your empty toilet paper rolls into bats is arguably one of the easiest Halloween DIY’s you’ll ever try. Just collect a couple of rolls and paint them black. From that point on – it’s all about your creativity. You can add paper wings and googly eyes, or simply use whatever other materials you have lying around the home. Make a “bat family” or add it as an activity for your...
It's easy to spend a small fortune on decorations for holidays. However, between Halloween costumes and pumpkins, going all out on decorations might be outside your budget. You can still have fun without spending a lot. One of my favorites to make is a homemade scarecrow.
I think the scarecrow has got to be the most common DIY Halloween Decoration. I've been making them since I was a kid. AND, it's a great way to get the kids to rake and think it's fun. Not only that, you can do it with materials lying around your house.
There are lots of different versions of scarecrows. Encourage your kids to get creative with the materials. Here's one version.
Related post: 50 Ideas for Free Family Fun This Fall
My kids love Halloween. More than the candy, they thrive on having the opportunity to wear their “dress-up” clothes out of the home. There’s nothing quite like pretending to be someone you idolize. Unfortunately, the budget doesn’t always accommodate the expensive costumes they’d prefer, which is why I’m always searching for new, inexpensive ideas. A single post on Facebook netted a bunch, so I thought I’d share a few with you.
If you have a pink shirt (and possibly pink pants as well) this is an easy costume to put together. Just attach the bottom of a shoe to the top of your head and you are immediately transformed into the gum stuck to the bottom of a shoe. While your costume will be more identifiable with pink “gum”, you may want to mix it up and go as a wintergreen version.
Have an old white sheet lying around? Place it over the head, cut two holes for eyes and ta-da! You are a ghost....
The very first personal finance book that I ever read was David Bach's Smart Women Finish Rich. I was in my early 20's at the time, and it was the financial education I never got in school on how to improve your finances. It opened my eyes to a lot of things - about how spending is a reflection of our values, the power of saving consistently over time, and how to avoid common financial mistakes.
Over the years, I have read some of David Bach's other books as well, so I was looking forward to the release of his latest, The Latte Factor.
This book is different from Bach's other books. It's a parable that teaches basic personal finance concepts through the story of a young woman named Zoey. The text is very readable for a book about personal finance, and Zoey is a very relatable character. If you are having a hard time figuring out how to save for the things you want, I highly recommend it.
The weather is getting cooler, which means that it's time to consider alternatives to playing in the swimming pool and at the lake. Check out the following 50 ideas for free family fun this fall.