Primerica

Posts Tagged ‘money saving tips’

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


2 Comments »

Tags: ,

Posted in Tips |

Jun

23.14

kids-money-fun

While everyone wishes a “money tree” did actually exist, those who work hard for the money know differently. How many times did your parents tell you that “money doesn’t grow on trees,” and how often do you find yourself cringing when you voice that same wisdom to your kids?

While spending always seems more exciting than budgeting and saving (at the time), it’s important for us to teach our kids to be responsible with their money so they can avoid making many of the same money mistakes their parents did.

Here are some fun and easy ways to teach your kids about money this summer:

Goal: To emphasize the value of money and teach kids that money isn’t “free?” To make sure they understand that you have to work for the things you purchase.

Kid-tivity: Come up with ways your child can earn money toward something he or she wants to buy or wants to do. Here are some ideas:

  • Extra chores around the house or for a neighbor
  • Babysitting (must be at least 12 years old and very responsible)
  • Pet-sitting or dog walking
  • Yardwork or gardening
  • Washing cars or windows
  • Lemonade or popsicle stand
  • Yard sale … and more!

Goal: To have your children understand what it means to be charitable and he or she can have a sense of accomplishment and pride by giving back to his or her community.

Kid-tivity: There are plenty of big and small ways your child can give back, whether or not money is involved. Here are just a couple:

  • Have him or her buy a toy for a child in need with his or her own money.
  • Find a local volunteer project you and your child can participate in. Explain what the charity is and why you’re helping.
  • Keep a change jar around the house for loose change and let your kids pick the charity they want to give it to when the jar fills up.
  • Show your child the value of time by spending time with an elderly neighbor or shut in. Explain that the giving of time is just as valuable as the giving of money.

Wallet Wellness Challenge
Can you think up of more ways to teach your kids the value of money? Get creative! Make it fun! Then share them with us!

14PFS272


1 Comment »

Tags: , , , , , ,

Posted in Primerica, Tips, Wallet Wellness |

Jun

15.12

If you struggle with finding money to save, here are some ideas to help you get started.

  1. Put aside your loose change each day. Saving just $1 a day will yield you $365 in a year!
  2. Cut your phone bills. For less than $10, you can buy a prepaid cell phone and pay only by the minute. Cancel your land line (unless you have medical issues that may require emergency calls).
  3. Dodge unnecessary fees. Avoid bouncing checks, overdraft and ATM fees. The $20-$40 you normally spend each month could save you $240 to $480 each year!
  4. Bring lunch to work. Spend $2 a day on making lunch at home instead of eating out for $5 a day, and you’ve saved $780 in one year.
  5. Track your spending. You might not realize where your money is going. Keep a receipt for everything you spend in one month. At the end of the month, separate them into categories. Where can you trim excess spending? Usual suspects: entertainment and dining out.


4 Comments »

Tags: , , , , , , ,

Posted in Primerica, Tips |