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increasing income saving Sep 15, 2019

As they say, "one man's trash is another man's treasure."

Experiencing periods of financial strife has happened to almost everyone. When it happens, it can bring on feelings of worry and anxiety. But one way to make some quick money is to sell some belongings you don't use or no longer want. From big-ticket items to clothing and tchotchkes, you might be surprised what you can sell to thicken your wallet. 

Follow these strategies to make the most from your sales:

1. Consider selling almost everything.

Make a list of the items you'll sell room by room and jot down reasonable prices to ask. Don't worry; you won't miss them once they're gone. Are your rooms over-stuffed with too much furniture? Sell your least favorite pieces. Sell that extra recliner in the back bedroom that's piled with junk. Sell the junk on it, too! 

You don't use your bread maker anymore? Sell it to someone that will. What about the wrong size clothing or those you dislike? If you don't wear them, sell...

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Tips to Negotiate a Higher Starting Salary

career Sep 10, 2019

In life, everything is negotiable and starting salaries in a new position are no exception. Regardless of whether you are returning to the workforce after staying home with your kids or you're trying to uplevel your job, you are a knowledgeable professional. Know your worth. You have experience under your belt and other valuable skills that employers should be charged a premium for utilizing.

Give yourself your worth by negotiating your starting salary within a new company. Not only will it put you on a better financial footing, but it'll also make you seem like an ambitious businessperson.

5 tips to confidently and successfully negotiate a higher starting salary:

  1. Be prepared. Negotiation is all about the legwork. Do your research on the company, their current salary offerings, and the average salary in your locality. If this is your first time negotiating a salary or your first time in a while, it can be daunting. Practice with a friend or family member to give you...

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10 Easy Ways to Minimize Your Household Expenses

budgeting saving Sep 07, 2019

Are you having trouble building up your savings? Running a household can be expensive. With so many different expenses, it’s easy for costs to get out of control unless you’re careful. You can certainly find more exciting ways to spend your money than paying too much to your auto insurance company! You can even add to your savings account each month.

Related post: Creating a Household Budget

10 Easy Ways to Avoid Spending More than Necessary on Household Expenses:

  1. Prescriptions and Over-the-Counter Medications. Always ask if a generic version is available for your prescriptions and over-the-counter medications. Generics can cost as much as 85% less. There are also online services that will inform you of the best prices for your medications. GoodRx.com is a well-known example.
  2. Entertainment. Find ways to spend less money entertaining your family. Movie night at home costs a fraction of taking your family out to the movies. The park is free. During much of the year,...
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Don’t Let a Financial Setback Ruin Your Mindset

budgeting money mindset Sep 04, 2019

I just got an email from some clients of mine. It's a young couple I've been working with over the last year. Quite frankly, I adore working with them because they implement my recommendations and are seeing fantastic results. At any rate, the email was letting me know that one of them was recently in a car accident and her car was totaled. Fortunately, she's okay besides some bumps and bruises.

It would've been very easy for them to throw their hands up in frustration and give up when faced with this financial setback. Instead, they reached out to make an appointment to discuss their options. A year ago, they probably would've entered into a loan they couldn't really afford that would continue to set them back every month. What a difference a year makes!

The Most Important Step to Maintaining a Wealth Mindset

Making the decision to shift to a wealth mindset is the first step of many towards building a wealth legacy. Taking action is the second step. Both steps are essential...

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Should you give an allowance? That is the question.

guest blog kids and money Aug 28, 2019

By Kelly Greene

It starts with the tooth fairy, right, moms? Your child loses that first tooth and you’re both so excited! The tooth fairy will be visiting! As your child is asleep you stress over how much the tooth fairy is paying these days for a tooth. Your friend maybe gave their kid a dollar or a quarter but what about that one mom who gave her kid a $20 bill?!? And so it begins…

Now flash forward a few years and your kids are older, they want money for things plus they live in your house and make their kid messes so they have chores. So, should you give an allowance? Should you pay them for doing chores? If you google this you will find so many varying opinions and methods, leaving you even more confused. Here are a few ideas:

1. Give them a weekly allowance along with a list of chores. The amount of this can be their age or an amount you feel comfortable with. Also, if you have more than one child the chore list may rotate. If you choose the amount to match...

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10 Money-Saving Tips for New Moms

budgeting guest blog saving Aug 21, 2019

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...
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5 Ways to Save Money on Back-to-School

budgeting guest blog saving Aug 14, 2019

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?) Celebrating aside, this time of year can cause some financial stress.  School supplies, activity fees and 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 has started. 
  3. Look on Craig’s List, Offer Up and...
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How to Be a Positive Money Role Model for Your Kids

kids and money Aug 07, 2019

We all grew up with various ideas about money instilled in us by our parents, some good and some not so good. How do we, as parents, model healthy financial behaviors for our children?

Teach your kids the value of money at an early age.  

I know how tempting it is to buy your child every single toy or book they want, especially around birthdays and holidays whether it's to avoid a tantrum or just because they’re so darn cute, buying your children anything and everything they want doesn’t teach them the value of money. 

Encourage your kids to save money.  

It can be very tempting to spend birthday and holiday money on one trip to Target, only for your child to be bored with their purchase a week later. Motivate your child to set a goal and save up for it. One of my sons is currently saving for a Nintendo Switch. It's a lofty goal for him, but I know he’ll feel a sense of accomplishment.

I recently took two of my kids to open up an account...

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6 Simple Things to Do to Start Paying Off Debt

debt Jul 31, 2019

Do you dread opening your mail? Has your debt gotten so out of control you feel like you’ll never be able to see a $0 balance on your credit card statement?  It doesn't have to be this way!

Start with these easy simple tips to move your way towards a debt-free life:

1. Take a cold, hard, HONEST look at your debt. With bills arriving at different times of the month, we can easily have tunnel vision for the true amount of debt we have. Collect all your bills and lay them out. Look at the BIG picture. It may not be pretty but this is a good start on getting real with yourself.

2. Call your credit card companies to negotiate a lower interest rate. This really does work. Explain to your credit card company how you’ve been a loyal customer and would hate to have to transfer your balance to a different lower interest card. (This can also work wonders with internet and cable companies!) 

3. Check your credit score. Mistakes do happen. Be sure everything is in...

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