Motherhood Moments

JUNE 23, 2023

In a recent public advisory warning of the risks social media use poses to children and teens, Dr. Vivek H. Student wellbeing activist David Magee couldn’t agree more. “Too That’s why it’s up to parents to intervene and help them develop healthier habits around their social media use. Set reasonable limits on social media use.

Parenting 100

Parenting Media Student Podcasts 100

Prairie Eco-Thrifter

MARCH 4, 2015

When I was a mainframe computer programmer and project manager, we used a relational database product from IBM called DB2. For example, in How to Become a Millionaire by Age 30 the author claims that: “Rich people use debt to leverage investments and grow cash flows. It depends on risk tolerance.

Debt 100

Debt Used Money IBM 100

Savings Corner

DECEMBER 25, 2023

To calculate how much house you can afford, we take into account a few primary items, such as your household income, monthly debts (for example, car loan and student loan payments) and the amount of savings available for a down payment. In the above example, that would allow a mortgage payment of $1,260 to achieve a 28% DTI.

Calculators 52

Calculators Debt Insurance Taxes 52

Motherhood Moments

MARCH 14, 2023

Ideally, it will take parents, educators, and communities working together to solve the complex knot of problems our young people face, which is why he created the William Magee Institute for Student Wellbeing at the University of Mississippi and The Mayo Lab Podcast with David Magee , available at [link] and on Apple and Spotify podcast platforms.

Parenting 100

Parenting Podcasts Student College 100

Family Balance Sheet

JULY 2, 2015

All of our debt was $97,000 in student loan debt. We ended up buying a house from a relative, which put us in even more debt. However, with my husband being an architect and an overall really handy guy, we decided that fixing up the house and selling it could give us enough profit to at least pay off a big chunk of our debt.

Student 100

Student Debt Debt Free Finds 100

Coupons Do Work

MAY 17, 2016

If you’re a parent, contact your child’s teacher to let her know about this program that offers rewards for students. Bob Evans – Star Student Program offers free kids meal for good grades. Family Video -free overnight movie or game rental for students that have A’s on report card in any core subject.

Free Stuff 100

Free Stuff 2016 Baskin Robbins Student 100

Prairie Eco-Thrifter

JULY 11, 2012

If you rarely use your internet at home, you might want to consider using the library’s internet for free instead. For example, if you only check your email once a week (or if you primarily use your smart phone), you can definitely save money by cancelling your home internet services and using the library’s instead.

Library 243

Library Saving Money Money DVDs 243

Savings Corner

APRIL 4, 2024

You can use this money for any purpose, including home remodeling , consolidating higher-interest debt , college tuition and other financial needs. Cash-out refinance example Let’s say you still owe $100,000 on your home, and it’s currently worth $400,000. For a multifamily home, for example, you can only borrow up to 75 percent.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Savings Corner

DECEMBER 27, 2023

The fastest way to pay off student loans is to pay more than the minimum each month. you can use a student loan payoff calculator to see how fast you could get rid of your loans and how much money in interest you’d save. Here are seven strategies to help you pay off student loans even faster. interest rate.

Student 52

Student Refinancing Debt Free Debt 52

Prairie Eco-Thrifter

SEPTEMBER 19, 2019

For example, an MBA with a focus in management can synergize with a wide variety of undergraduate majors, providing those with an expertise in, say, science or medicine with the leadership skills needed to take charge of teams and manage personnel working under them.

Student 113

Student Part Time Pace Re-use 113

Motherhood Moments

FEBRUARY 12, 2023

Congress on neuroscience in the classroom, and award-winning educator Betsy Hill are committed to helping children achieve their fullest learning potential by using tested and proven neuroscience in their groundbreaking book. So, for example, sustained attention and sequential processing are necessary for decoding.

Parenting 100

Parenting Education Building Wellness 100

Family Balance Sheet

DECEMBER 2, 2015

Ask each student to make one 8 1/2 X 11 page for the album. Many teachers use their own resources or money to cover classroom needs. Gifts Handmade by the student. Ask your child to use their best handwriting and also draw a picture that relates to the poem or story. Give a Gift Card to a Craft or Supply Store.

Thankful 100

Thankful Holiday Recession Student 100

Prairie Eco-Thrifter

JANUARY 30, 2012

Thrift stores are for more than just clothing, and they are great places to find used furniture for cheap. Some people wouldn’t be caught dead going into a thrift store, but they are often nice, clean stores where you can find great, gently used items at great prices. What strategies do you use to find good deals at thrift stores?

Thrift Stores 201

Thrift Stores Thrifting Furniture Storing 201

Prairie Eco-Thrifter

FEBRUARY 3, 2016

With so many things that we parents have to teach our children, from using the potty to being a good and decent citizen, it’s no wonder that financial lessons sometimes get pushed aside in favor of more immediate needs in raising our kids. Here are a few that worked for us. Set an example of living below your means.

Work 100

Work Kids Bank Banking 100

Prairie Eco-Thrifter

APRIL 10, 2013

They will come out on specific dates, so you should pay attention to your pay periods, and coordinate accordingly if you are using your checking account. Strategy: Use Your Credit Card. My weekly produce box delivery and the monthly satellite TV bill are two examples of bills that I have paid automatically with my credit card.

Bills 271

Bills Credit Cards Finance Credit 271

Saving Cents With Sense

MARCH 8, 2013

If you have kids, purchasing used or discounted clothing and toys is a great way to save money. You can find lightly used clothes and toys at garage sales or thrift stores to save as much as 90 percent off retail, according to LivingOnADime.com, a site dedicated to frugal living. Another great item to buy used is your car.

Frugal 75

Frugal Family Student Thrift Stores 75

Prairie Eco-Thrifter

JANUARY 16, 2013

Just stop using disposables. For example, most leftover food scraps can even be composted ( other than meat, of course ) so they can be brought home if a school or workplace doesn’t do composting. Multiply that by million of kids (and adults going to work) and you can see how much of a problem this is. It’s quite simple, really.

Lunch 201

Lunch Lunches Reuse Compost 201

Prairie Eco-Thrifter

APRIL 10, 2014

She: I have to stay in Manhattan, all of my students/ tutoring clients are on the upper east/upper west side, it would just be too far to commute. This was such a perfect example. I used to live in Weehawken, New Jersey, a twenty minute commute from midtown Manhattan. I’m not going to live in a s**t hole. Yeah…but….

Price 209

Price Rent Financial Goals Converse 209

Savings Corner

DECEMBER 24, 2023

First-time buyers who are students or in a certain profession might qualify for a special type of loan, as well. Instead, you’ll work with a mortgage lender of your choosing, which might be a bank, online lender or credit union, for example. The money can only be used for your down payment and closing costs.

Insurance 52

Insurance Finance Home Education 52

Penny Pinchin' Mom

MARCH 11, 2024

All credit scoring services look at the same financial information, such as: Your account payment history Credit utilization percentage Number of accounts used or opened Negative credit issues All this information is collated, and an algorithm derives your credit score from it. As mentioned, Credit Karma uses TransUnion and Equifax.

Credit 52

Credit Identity Theft Monitors Finance 52

Saving Cents With Sense

JANUARY 16, 2014

If you do decide to purchase a used vehicle, obtain a Carfax report and have a mechanic you trust look over the auto. You might think you’ll be saving money by purchasing or handing down a cheap used vehicle to your teen, but there may be hidden expenses that could significantly drive up the costs. This site uses affiliate links.

Cars 89

Cars Car Insurance Shopping 89

Prairie Eco-Thrifter

JANUARY 27, 2013

Your kids may not end up being great friends with all the other children in their carpool, but they’ll at least have a built-in social network of other students at their school that they know. And, you can use this experience as an opportunity to teach your kids the value of environmental efforts. So, do you carpool your kids?

Kids 188

Kids Kids and Family Parenting Growing 188

Saving Cents With Sense

MAY 30, 2013

TIP #1 – Shop at the used bookstore instead of Barnes & Noble or Amazon. However, when it comes to books, you will be much better off shopping at used bookstores. Most of the classics like William Shakespeare’s Romeo & Juliet or Homer’s The Odyssey can be located in almost any used bookstore. All rights reserved.

Saving Money 96

Saving Money Money Parenting Saving 96

Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) From start to finish it took us a very long time — I would guess 10 years. After we got a taste of life without credit card debt, I wanted to pay off my student loan. For example, no cable TV.)

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

FEBRUARY 15, 2011

Using part of the money that is already earned is one way to not take up a second job and make higher education a viable option. When your children are college age, they can always get a private student loan. Use coupons, children eat free specials, and discounted restaurant gift certificates to save on meals. Eating Out.

College 100

College Budgeting Budget Friends And Family Sale 100

Prairie Eco-Thrifter

FEBRUARY 4, 2011

After seven years each straight of “higher” education (and all the student loans that go along with it), our husband/wife blogging team goal is to simply get back to broke. Join us on our journey at www.brokeprofessionals.com. For example, I generally cannot diagnose myself if I get sick (although I try, thank you Web MD).

Saving Money 150

Saving Money Money Fair-Trade Saving 150

Prairie Eco-Thrifter

MAY 26, 2016

My grown kids are also savers and I have high hopes that the grandchildren will follow their example. But, with each of the above, you lose the use of that money and often have little chance of even getting it back, let alone making it grow. We could take on debt to grow using other people’s money.

Money 124

Money Saving Money Lowes Grandchildren 124

Savings Corner

APRIL 4, 2024

Home equity loans are best used for five-figure renovation or repair projects — which can garner you a tax deduction on their interest — or to consolidate other debts. You can use the funds from a home equity loan for any purpose, but there’s a possible tax benefit if you use the money to improve your home.

Home 52

Home Debt Credit Cards Credit 52

Penny Pinchin' Mom

DECEMBER 17, 2023

Say for example, if I put $500 away this month but still had $9,000 in debt, I would immediately think, I potentially only owe $8,500 but have $0 in savings. Wiping out high-interest debt on a timely basis will reduce the amount of total interest you’ll pay eventually while freeing up money in your budget for other uses.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Family Balance Sheet

AUGUST 17, 2011

For other receipts from a credit card for example, groceries or gas, keep until you get your next statement to look for any errors. I use a small accordion file with 12 monthly files for credit card receipts. Some examples: Assets - with sub-files like your checking, savings, retirement, etc.

Home Improvement 153

Home Improvement Taxes Credit Cards Bills 153

Prairie Eco-Thrifter

MARCH 3, 2015

While a former supervisor might be able to speak to your work ethic, he or she may not be able to provide much insight into your potential for success as a student. You can use that information to prep a reference to speak to your qualities and how you can meet or exceed those expectations.

Work 100

Work Building Growing Student 100

Nicoles Nickels

SEPTEMBER 7, 2013

The purpose of this particular pilot program is to improve learning outcomes in classrooms with focused use of Sesame Street content and to transform the home and classroom experiences into a motivating and engaging learning experience. It follows with content supporting key vocabulary and math skills, such as counting, comparing or shapes.

Education 75

Education Parenting Kids and Family Television 75

Prairie Eco-Thrifter

MAY 23, 2015

Next I made a brown paper hand drawn mat to use as a game board. I keep a roll of heavy paper (which I buy at Home Depot for about $11 for a roll about 2 inches thick and 2 feet wide) to use in wrapping packages, protecting floors during home projects, making garage sale signs and etc. Make or assemble the parts and pieces of the game.

Games 100

Games Making Garage Sale Kids and Family 100

Family Balance Sheet

MARCH 4, 2015

in student loan debt that was a combination of my master’s degree and my daughters undergraduate degree. In fact, I used the best strategies I read about and developed a plan of action that best suited my particular situation. Use coupons because you can really save money this way. How much debt did you pay off? No, I didn’t.

Debt 100

Debt Credit Cards Debt Free Student 100

Family Balance Sheet

JULY 13, 2016

Student Loans – Paid off $37,000. Also sell cheap practical stuff at key times, example: for 3 years we sold glow necklaces at the local fireworks shows in our cities during July 4th weekend. Nice visuals and monthly budget meetings kept us on track and accountable. Example, Farrah would want a pedicure.

Debt 100

Debt Debt Free Finds Home 100

Saving With Shellie

AUGUST 24, 2015

For example, I don’t “friend” people I’ve never meet in person. Make sure you abide by them too and set a good example. Check out the hashtag they are using and see what types of other things are there. This is a fabulous, affordable tablet for teens and college bound students. Be open and honest.

Kids and Family 40

Kids and Family Giveaway Cameras Kids 40

The Frugal Girl

NOVEMBER 20, 2023

This spring, the gym closed down and sold off their equipment at a deep discount so now I am well stocked for any kettlebell weight I want to use. We never would have been able to afford it in normal times, but we had spent many years making frugal choices that put us in a position where we could take advantage of the opportunity.

Iowa 164

Iowa Friends And Family Sale Boys Son 164