Primerica

Archive for the ‘Tips’ Category

May

04.16

5-ways-mom

Mother’s Day is on Sunday, May 8, and it’s the perfect time to show Mom some appreciation. Traditional gifts abound — cut flowers, jewelry, spa day, etc. — but if you’re trying to save money, there are easy and expensive ways you can make her feel special.

Here are five:

  1. Add a personal touch. While it’s always nice for your mother to receive a phone call if you don’t live close by, up the ante and make her a card! Or, even if you go the store bought route, write a thoughtful note inside. Sometimes it’s truly the little things that can brighten someone’s day.
  2. Lighten the load. Whether it’s laundry or mowing the lawn, help Mom free up time by tackling some chores around the house so she doesn’t have to. Even young children can do this one!
  3. Start the day off right. Want to help your mother get off to a bright start? Serve her breakfast in bed! Whether a light continental affair or her guilty pleasures, not having to lift a finger is always a treat!
  4. Plant a reminder. One great way to keep the love flowing well past Mother’s Day is to plant some flowers in your Mother’s yard (with her permission of course!). Whether some bright annuals to last a few months or pretty perennials that will come back each year, love is always in season!
  5. Give her the day off. Sometimes what a Mother needs the most is simply some time to herself to do something that makes her happy. Offer to watch the kids or pets and encourage her to grab some personal R&R — she’ll thank you for it!

However you decide to show your Mom some love on Mother’s Day, she’s sure to appreciate the thought that went into it. Just remember, you don’t have to break the bank to let her know you care.

16SOC19


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Feb

10.16

5ways-valentines

Spending a small fortune on Valentine’s Day isn’t going to make the night any more memorable – except when the bill arrives. There are plenty of ways to have a wonderful Valentine’s Day experience without blowing your budget. Here are some ideas:

  1. Go somewhere new. Visit that museum you’ve always been intending to get to but never seem to have the time. Take a boat or scenic train ride. Catch a play or romantic movie you both have been wanting to see. Getting out and doing something new, especially for harried parents, helps your relationship keep going strong.
  2. Whip up something romantic. Fix your sweetheart his or her favorite meal. And even if you’re not known as the most enthusiastic of chefs, Chicken Marsala and Baked Alaska are way easier than they look. Make something that allows you to do most of the prep work ahead of time and finish at the last minute. This is where those Internet cooking channels can come in handy.
  3. Make it a day out. If it’s warm where you are, consider a picnic at your favorite park or at the beach or pool. This is a picnic you’ll want to do up right with an old style wicker basket, champagne, fruits, pickles, delicious sandwiches, veggies with dipping sauce, cake, and good chocolates. Bring along some romantic music and a thick blanket on which to put everything – including yourselves.
  4. Trip the light fantastic. Have a romantic dinner at home, and then head out to dance the night away. If one or both of you aren’t big on dancing, a couple of hours of ballroom dance lessons could be a romantic and new experience. There are Internet specials galore for introductory dance lessons.
  5. Start the day right. The perfect Valentine’s Day starts with the always trusty breakfast in bed. Think how pleased your loved one will be to wake up to the aromas of freshly brewed coffee, warm apple muffins, crispy bacon, and fluffy omelets.

16PFS13


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Dec

24.15

5ways

Suffering from cabin fever? The cold weather doldrums can be hard to shake off without spending a lot of money—but not impossible. Here are some ideas to help you get started:

  1. Visit a museum. Most museums offer “free days” when admission is free or a donation. With fewer crowds, winter can be a great time to wander the exhibits.
  2. Go ice skating. Lace up your ice skates or rent a pair for a small fee and head to an ice-skating rink. Even if the day is on the warm side, the ice-making machines will keep the rink frozen for you. Bonus: You’ll get plenty of exercise.
  3. Volunteer. Give others (and yourself) a warm feeling by donating your time to the less fortunate in your community. Sign up with a friend, spouse or the whole family. For example, shop for the elderly who can’t get out in the bitter cold or for those who don’t have reliable transportation.
  4. Attend a free workshop. Is there a home or craft project you’ve always wanted to try but don’t know where to start? Stores like Home Depot, Michael’s and Lowe’s host free workshops for homeowners, classes for specific projects and crafts, and fun activities for kids.
  5. Join a book club. Looking for a good read? Head to your local library and ask about joining a book club. You can get caught up on the latest novel or non-fiction book and make some new friends without spending a dime.

15PFS72


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Dec

09.15

Dinners, parties and gifts … oh my! The holiday season is upon us and that means for most, spending will be at an all-time high. While some may have saved throughout the year for this special season of giving, many will break out their credit cards and dig themselves into debt. But it doesn’t have to be that way! You can still make it a holly, jolly Christmas — without going into debt. Here’s how:

 

Folly: Buying whatever strikes your fancy at the time and not keeping track of what you spend or buy.

Jolly: Making a budget and sticking to it. This way, you don’t end up with too much stuff or a lot of filler that doesn’t have meaning.

 

Folly: Buying random gifts and then figuring out who to give them to.

Jolly: Take note from old Saint Nick. Make a list of recipients, gifts and what you want to spend. Then check them off, one by one!

 

Folly: Waiting until the last minute to do your shopping.

Jolly: The early bird not only gets the worm, but gets the best prices, too! Shop around and do your homework so you can take advantage of sales and get more bang for your buck.

 

Folly: Spending too much on entertainment for you and your family.

Jolly: Some of the best experiences in life can’t be bought. Why not host a Christmas movie marathon, go caroling or drive around your neighborhood to see everyone’s decorations? Sometimes the simple things are the sweetest.

 

Folly: Getting too caught up in the buying season.

Jolly: Giving back to those less fortunate. There are tons of ways to give your time or money to those who need help this season. Forgo a few gifts and reallocate that money to charity. Tis the season for giving … back to your community!

 

Folly: Breaking the bank on decorations.

Jolly: Have any holly bushes outside? Cut off a few branches to use in a display or put in a vase. Have pine trees or evergreens in your backyard? Make your own garland with some twine or ribbon! String together popcorn and cranberries or make a paper chain. Thrifty (but beautiful) decorating ideas are endless!

 

Folly: Buying your kids everything on their wish list.

Jolly: Starting a new tradition like “want, need, wear, read.” Buy four presents, one for each category. Not only will it make the gifts more meaningful, it will save a lot of money, too!

 

Don’t get caught up in the hustle and bustle. There are countless ways to save money this holiday season. Make your holiday a jolly occasion and head into 2016 without a bunch of extra debt weighing you down!

15PFS535


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Nov

19.15

pri-blog_thanksgiving art

Tis the season for parties and giving, but that doesn’t mean you have to spend too much money along the way. There are plenty of ways to celebrate the occasion without breaking the bank. Here are five:

  1. Decorate with nature. Hosting a get together or simply want to spruce up your home? Look outside. There are plenty of decorative fall finds in your backyard! Gather pinecones and put them in a bowl as a centerpiece. Use the beautifully colored fall leaves as place cards or to spread along your tablescape. Acorns littering your yard? Dip them in gold paint (a couple of dollars at any craft store) and add them to your festive scene.
  1. Make it potluck. Instead of hosting a dinner party and preparing everything yourself, ask guests to bring a dish to contribute. Not only will it make it a more memorable “sharing” event, it will save you time and money!
  1. Go to a farmer’s market. Looking to save money on fall vegetables? Go to your local farmer’s market to stock up. You can’t beat the variety — or the price!
  1. Make a list and check it twice! A great way to save money is to jot down what you need on a piece of paper or your handheld device and stick to it when you’re shopping. Try not to deviate from your plan and get caught up in buying “extras” you really don’t need.
  1. Keep it simple. Thanksgiving is all about spending time with people you care about and showing them how much you appreciate them, not over-doing it. Keep it simple and you’ll be thankful you did!

15PFS536


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