If you’re looking for a way to bring in some extra income and have a passion you’d enjoy sharing with others, blogging could be a great side gigÂ or even potential full-time job for you. From travel to fashion, cooking to pilates, budgeting to home decor, it’s possible to blog about almost any topic, allowing you […]
How to Start a WordPress Blog on Bluehost – Complete Guide is a post from Money Crashers.
The post HOW TO SPLURGE THS HOLIDAY (WITHOUT BLOWING YOUR BUDGET) appeared first on Penny Pinchin' Mom.
Several years ago, 2010 to be exact, my husband and I made our final payment on our debt. We were officially debt free!! It felt amazing. We had done it through a lot of hard work and sacrifice.Â We had done all we could to save so we could throw loads of money at our … Read More about HOW TO SPLURGE THS HOLIDAY (WITHOUT BLOWING YOUR BUDGET)
The post HOW TO SPLURGE THS HOLIDAY (WITHOUT BLOWING YOUR BUDGET) appeared first on Penny Pinchin' Mom.
“Success can get you to the top of a beautiful cliff, but then propel you right over the edge of it.” As a Mustachian, thereâs a good chance that you are a bit of an overachiever.Â Maybe you fought hard to get exceptional grades in school, or perhaps you have always dominated in your career […]
If you’re welcoming a second child, your spending and savings habits may need a tune-up.
The post Affording a Second Child: How to Make Your Budget Work appeared first on Discover Bank – Banking Topics Blog.
My first job out of college was with a recruiting firm run by three women who had nearly a hundred combined years of experience in the workforce. They taught me everything I needed to know about how to read resumes, including the warning signs to look for. A gap in employment was, according to them, the kiss of death.
Today, a hot minute and three U.S. presidents later, I truly believe that wisdom is as outdated as my prom dress. It was fine in the moment, but the moment has passed.
Each of us is complex and unique, and our personal stories should reflect that.
The rules of employment history have changed, and the story you craft about your timeline is yours. Whether your employment gap happened because of a layoff, becoming a caregiver, taking a sabbatical, exploring entrepreneurship, or even just a mental health break, let's talk about how you can own that gap in a way that will want a prospective employer wanting more of you!
1. Lead with transparency
As poet Walt Whitman said, “I am large. I contain multitudes.” Each of us is complex and unique, and our personal stories should reflect that. There are no right or wrong plot points as long as each point is truthful.
When capturing your history (employment and otherwise) on your resume, be honest and transparent. There's no need to flag a gap in employment in bold print, but neither should you try to hide it.
Our journeys are complex and diverse. The trend toward inclusion will only grow in 2021. And beyond diversity in terms of race and gender, I believe companies are ready to lean into a diversity of experiences in the workforce. Companies must look beyond the traditional one-directional career path, and search for talent whose life experience reflects that of their customers.
Beyond diversity in terms of race and gender, I believe companies are ready to lean into a diversity of experiences in the workforce.
So don’t be ashamed of revealing your lived experiences, from caregiving to travel to taking time to pursue a passion. Transparency upfront will help you begin the conversation with a prospective employer on the right foot.
2. Reflect on your gains
Maybe you opted out of the workforce for a year to care for a child or parent or to travel the world. Or perhaps you were laid off in an economic downturn. Whatever your reason and whatever the cause, you were still a person living in the world during this time. Your experience may not have been “work experience,” but this is where life experience gets its time in the sun.
When I spent 2007 at home with my newborn daughter, there were days—many days—that left me feeling like my brain had turned to mush. Baby Beluga had become my theme song and I was spending days calculating ounces of milk digested and … processed. (Yes, I mean poops).
This is where life experience gets its time in the sun.
But as I started gearing up for a job search in 2008, I pushed myself to reflect on the gift of that year. Certainly, it was a privilege just to be with my infant daughter. But it had also given me some new skills and perspective.
Time management and prioritization become finely tuned when your baby’s naps are suddenly your only windows of productivity. I had become part of a new demographic—parents—which broadened my perspective not only on the world but on any company’s potential customer base.
Oh, and my ability to experience failure but keep on keeping on? That expanded immensely. I screwed up daily with sleep training and sign language and all the mothering things. But I also persisted because I had a new responsibility to manage.
These were some of my reflections. I challenge you to define your own.
Think expansively about how this time has added in any way to the multitudes you contain. It is now a part of your story to shape and own.
Maybe you were laid off during the pandemic. You’re not alone. And remember, you’re leading with transparency. You don’t have to pretend the layoff was some grand gift. You’re allowed to experience disappointment. But shift quickly into considering what you gained during the weeks or months of not being employed.
What have you spent time doing? Being with family? Caring for a loved one? Supporting a working partner? Have you taken any classes? Picked up a new certification? Learned to cook? Think expansively about how this time has added in any way to the multitudes you contain. It is now a part of your story to shape and own.
3. Craft the narrative
So now, armed with insight and reflection, it’s time to craft the story you will proudly tell any prospective employer. This is your chance to package yourself as the most irresistible product on the job market.
I’ve always loved the commencement address Steve Jobs delivered at Stanford back in 2005, during which he said:
You can’t connect the dots looking forward; you can only connect them looking backward.
So, as you look back at the totality of your experience—work and life—what is the story you want to tell that makes you the most compelling candidate? How will you choose to connect the dots and help your potential employer see the complete picture?
In 2008, I showed up in interviews not as a new mom hoping desperately for anyone to give me a chance, but as a person with a broad perspective to offer. I still had my pre-baby skills and experiences, but now I could apply a keen ability to prioritize, to think critically about what should command my focus, to learn from failure, and to be successful without having control over a situation.
My conversations with hiring leaders painted this picture of me. I made sure to bring in examples of both work and parenting experience. It made me real and whole. And it ultimately won me a great job.
So, what’s the story you’ll tell? Maybe being laid off taught you that things can change on a dime, which has challenged and enhanced your agility. Maybe you used your time to take classes, brush up on skills, and add a certification.
Prepare examples of how these insights and added skills will deliver value for your next employer. How lucky they will be to have you!
4. Fake it till you make it
I stand by the logic of everything I’ve said thus far. But there is so much more than logic at play here. There's ego and emotion and anxiety and lots of other messy human things. I’ve lived through, and overcome, all of that. Some days I’m still overcoming it.
Confidence is something that will grow over time. But don’t wait for it; cultivate it.
Are you wondering how I managed to show up with so much confidence after spending a year away from the corporate world? Then let me tell you my secret: It wasn’t confidence at all! It was all my fear and anxiety hidden behind a smile and a firm handshake. (Remember those?)
Confidence is something that will grow over time. But don’t wait for it; cultivate it. For now, if you’re struggling to access confidence, then just play the part. You’ll be amazed at how quickly the real thing will follow.
And there you have it. Yes, whole, complex, messy you. So practice your most confident smile, prepare your firm handshake, brush up your rÃ©sumÃ©, and get ready to pound the pavement.
The post Options for Saving for College – No Matter How Old Your Kids Are appeared first on Penny Pinchin' Mom.
It seems as soon as our children are born, weâre planning for their future. Without being able to see eighteen years ahead, how can we know for sure what weâre up against and save accordingly? In this series, weâre going to break down saving for college one phase of life at a time. THE SMART … Read More about Options for Saving for College – No Matter How Old Your Kids Are
The post Options for Saving for College – No Matter How Old Your Kids Are appeared first on Penny Pinchin' Mom.
Does this sound familiar? You start the holiday season feeling festive and full of good cheer. You have big plans and ambitions to make everything merry and bright for you and your family. But as your to-do list grows, so does your stress level. The next thing you know, you just want to settle in for a long winter's nap and not come out again until spring.
Even before I became a mom, I wanted nothing more than to give my family the gift of the most magical holiday season possible. First, I had to orchestrate amazing decorations. Then I would not only make festive treats but plan elaborate five-course meals. And let's not forget shopping 'til I dropped so I could shower my friends and family with impeccably wrapped, showstopping gifts!
I spent so much time and energy trying to pull off the perfect Christmas that, come December 25, I was run so ragged I hoped to never see another candy cane for the rest of my life. I would collapse after the last gift was unwrapped. Fa la la la la la la la … ugh.
Each year I vowed to be smarter with my time and efforts, but I still wound up mindlessly repeating this vicious cycle. That is, until I was expecting my fifth child. Seven months pregnant, I ended up with pneumonia and a cracked rib. As miserable as I was, it was the year I received the best gift ever—the doctor ordered bed rest!
I had to rely on my husband and the grandparents to take over so that our kids would still have a Christmas. By no means did they do everything the way I would’ve done it. (Actually, they did nothing the way I would've done it!) But by letting go of the control, I watched a wonderful holiday unfold. I finally wasn’t in the trenches driving myself crazy trying to create a perfect holiday. Instead, I was living in the moment.
I knew right then that I was finally done with all the holiday hype.
De-stress this holiday season by deciding what's important
I still enjoy the magic of the holiday season, but now I approach this time of year with much less fuss.
If you've realized that spending time with loved ones is more important than pulling off the "perfect" holiday, think about what you can cut back on this year.
- No time to stage a photo card of your family this year? New Year’s cards are festive, too! Bonus: They might even stand out more if they arrive after the rush of holiday cards.
- Is it really necessary to spend time and money on gifts for teachers, bus drivers, teacher assistants, and the school nurse this holiday season? Have your child write a heartfelt card to these special folks instead.
- Does the Elf on the Shelf really have to make a pre-Thanksgiving appearance? Maybe he could show up the week before Christmas. Less work, same fun!
- Can you simplify your holiday dÃ©cor by cutting back on outdoor lighting or limiting your decorating to just one special room in your home? You don't have to be the neighborhood Griswolds to have a happy holiday.
- Which holiday invites do you really want to accept? Politely decline invitations for parties you're not really interested in or just don't have time for.
Center your time and energy more on the things you actually love doing and less on those that feel like a chore. You’ll automatically simplify this hectic time of year.
Tap into your holiday senses
I’ve always been a Christmas junkie! Whether it's enjoying all the lights and bling of the season, soaking in the enchanting sounds and delicious tastes that surround us, or decking the halls—count me in. Being mindful of the elements that make this time of year so special can deliver an entirely new experience for both you and your loved ones.
Instead of rushing from one errand to the next, tap into your holiday senses so you can be more present this season. Here are some festive, low-key ideas.
Bake with your kids. Find an afternoon where you can roll out some sugar cookies, decorate a gingerbread house, make homemade fudge, or dabble with delicious peppermint bark. Notice how amazing your house smells while these goodies are baking. Enjoy an ice cold glass of milk as you nibble on a delightful iced gingerbread man. Make an extra dozen or so for your neighbor and leave them as a surprise on their front porch. Savor the experience. Check out these yummy holiday recipes on Food Network.
Get crafty. Watch your child swell with pride when they create a special masterpiece for Grandma and Grandpa. Head over to Pinterest for hundreds of easy, jolly ideas. In our house, our favorite DIY holiday dÃ©cor is paper snowflakes. Even my college kids love to make these every year. We sprinkle a little glitter on them and decorate our windows to create a real winter wonderland feel.
Play holiday tunes. Get in the spirit by playing festive music first thing in the morning. When your kids get up, they can jingle all the way to the breakfast table. Sing along with Frosty the Snowman as you carpool to practice. Let holiday music play quietly in the background on Christmas Eve as you prepare for the excitement of Christmas Day.
Check out holiday light displays. Take a brisk early evening walk through your neighborhood and enjoy the beautiful glow of holiday lights. When you get home, make some creamy hot cocoa and talk about which scenes were your favorite. Or drive through your community to take in the festive displays. Soaking in the holiday bling can illuminate positive energy and it’s a low-cost way to spend some time together as a family.
Watch holiday classics. Pick a cozy afternoon or evening and binge-watch your favorite holiday movies together. Don’t forget the popcorn!
RELATED: 7 Ways to Save Money During the Holiday Season
Focus on tradition
One of my favorite parts of the holiday season is celebrating the traditions we’ve created over the years. There’s something comforting about practicing a tried and true ritual that belongs to your family.
My parents established a fun tradition—Christmas Eve PJs! We opened them before bed each year.
When I had my own family, we continued the tradition. But I incorporated a theme each year like footed pajamas, Star Wars, Polar Express, or our favorite sports teams. This year we’re getting reindeer pajamas, and yes, they will come with antlers!
The beauty of a traditions is that you can start them any time. Here are a few ideas to get your creative juices flowing.
- Make a gingerbread house
- Cut your own fresh tree
- Have a Secret Santa exchange
- Donate gifts to those less fortunate
- Go caroling
- Have a grab bag of both practical and gag gifts
- Explore another culture’s tradition
- Have a potluck holiday celebration with friends
- Decorate your tree with colorful, handmade paper chains
- Have a family game night
- Create a romantic, special quiet time for you and your spouse to exchange gifts—just the two of you
RELATED: 6 Ways to Create Family Traditions
The average American will spend $700 on holiday gifts and goodies this year, totaling more than $465 billion nationwide. Yikes!
Don’t get me wrong, I love watching my kids open their gifts on Christmas morning, particularly when the gift is some pricey item I know they weren't expecting. But gifts are not what the holiday season is all about.
Experiences are a great alternative to material gifts. We started doing this years ago, and my kids look forward to receiving things like concert or sporting event tickets, a family weekend away, or private lessons more than a new electronic gadget. One year we gave them bedroom makeovers and let them pick out their color schemes!
Rely on Mother Nature
I recently attended a wellness workshop and one of the speakers focused on one of the most neglected, free assets available—mother nature.
If you live in a climate where winter weather is getting into high gear, it may be tempting to limit your time with nature to climbing in and out of the car. But winter is a wonderful time to get outdoors and enjoy the fresh air. Embrace a walk in the new-fallen snow, take your kids to an outdoor ice-skating rink, or hike on a nature trail and take in the frosty landscape. A walk on the beach in the winter can also be invigorating. With fewer people around, you can have some quality time with your own thoughts.
Reconnect with yourself
Most parents focus on making things fun for their kids throughout the holidays. The decorating, baking, shopping, and constant running around seem to be for everyone but ourselves. Instead of waiting until post-holiday exhaustion sets in, use the holiday season to reconnect with yourself.
Finding quiet pockets of time throughout the week may seem like a laughable concept, but if you put your mind to it, you’d be surprised at the different ways you can sneak some me-time into your schedule.
Give meditation a try. Listen to an inspirational podcast or captivating audiobook that takes your mind away from the daily annoyances you have little control over. This well-spent me-time will help you to relax and get into the true spirit of the season. You may also learn something new!
Setting financial goals for your family can be exciting and overwhelming. It’s empowering to work towards saving for your family’s dream vacation or eliminating debt such as a car payment, but when your family budget is already tight, finding ways to improve your finances can seem daunting.
Good news! There are everyday ways that you can implement into your family’s lifestyle that can help you save money. Here are a few easy strategies that will prove fruitful for both your home and your bank account.
1. Clean out your fridge and freezer each week
Before you roll your eyes at this suggestion, let me explain. Research shows that people in US households toss out a staggering 150,000 tons of food each day! The average American family of four spending $ $10,995 per year on food. A considerable amount of waste could be prevented if we commited to monitoring foods like produce, dairy, and meat and using them before they go bad.
Schedule a day once a week (the day before or day you plan to grocery shop is ideal) and take inventory of what groceries you still have available to prepare family meals. This allows you to take advantage of a slightly bruised zucchini and end-of-package cheese slices that you can turn into a delicious quiche for dinner rather than spending a small chunk-of-change on takeout pizza. Don’t forget the freezer. Those frozen drumsticks can be thawed and marinated for tomorrow’s Sunday dinner along with that bag of red bliss potatoes that have been sitting on your counter for weeks now.
A considerable amount of waste could be prevented if we commited to monitoring foods and using them before they go bad.
Make this a weekly habit and not only will you be able to serve your family tasty dishes, you can put the money you save toward something meaningful for your family.
2. Review your family’s monthly subscriptions
It’s the little things in life that can truly make a difference! That goes for those small, innocent payments you make each month for our family’s entertainment—Netflix, Hulu, Amazon Prime, gym memberships, music streaming services, Dollar Shave Club, and so many more.
List all your family’s subscriptions and see what your monthly total is. Decide which ones really make a difference for your family and then look at trimming the rest. You might be surprised to find out how much money you're spending on subscriptions you rarely (if ever) use!
3. Commit to decluttering your surroundings
A home filled with paper piled on countertops, loose laundry, a gaggle of knickknacks and tchotchkes, and drawers stuffed with gadgets and items that have no real purpose can be one of the biggest money drains of all.
When your living space is organized and functional, it sets the tone for everything else in your family’s life.
Look around your entryway, kitchen, family room, and even your garage. Are things neat and orderly, or do you have to dig every time you need to find your tennis shoes, the dog’s leash, and your car keys?
Clutter robs you of:
- Time. How much time do you waste constantly searching for everyday items?
- Space. Clutter can hog valuable counter and drawer space that should belong to items you use all the time. (What happens when you can't find your car keys or—say it ain't so!—reach the coffeepot?)
- Money. Just when you give up and buy a new duster, that's when the old one shows up. Am I right? And if you misplace your bills, that could result in late fees.
- Peace of mind. When your family lives amid chaos, you're constantly stressed about finding items, or you feel guilty that your home isn't in better order.
When your living space is organized and functional, it sets the tone for everything else in your family’s life. This doesn’t have to be an awful project. Get excited about how amazing you and your family will feel when everything has a place. When you eliminate the mess throughout your entire home (garage and shed included!), you’ll have a new lease on life. Disposing if things you bought and rarely used will also may you more mindful of what you purchase in the future.
There are dozens of recommended decluttering methods available, but my favorite is inspired by organizing guru, Marie Kondo. The way she goes about getting her clients organized involves a multi-step process that involves sorting by item category rather than by room. The KonMari method mandates that you only keep the items that bring you joy. (But remember, throwing out your bills because they don't bring you joy is a bad idea.)
RELATED: Clean, Organize, and Declutter with Marie Kondo's Magic: Part 1
4. Buy secondhand
A savvy way to save serious money is to shop secondhand stores. Not only can you find designerclothing at half the price of the original sales tag, you can score amazing finds for your home. There needn’t be a stigma about shopping thrift stores. Many have a boutique-like feel with knowledgeable, professional sales staff who are eager to help you and your home look better for less. In addition, you’re helping the environment by recycling!
Shopping secondhand is one of 2020’s hot parenting trends. Besides local thrift shops and consignment stores, there are plenty of opportunities to shop online. E-Bay, Swap.com, and ThredUp, and Facebook are a few of many online choices that offer a variety of top-notch styles for less.
5. Create an energy-smart home
Be mindful of turning the lights off when you leave a room or keeping your thermostat set at 68 degrees during the winter. To some, those types of things are already habit. But for many others, conserving energy isn't necessarily top-of-mind. The average electricity spent in a household per year is $1,368.36 and studies show that 35 percent of the power used is actually wasted.
Fortunately, this waste can be corrected. The U.S. Department of Energy estimates that the typical household can save 25 percent on utility bills by implementing energy-efficient measures. (Put that towards your family’s vacay!) These tips include replacing light bulbs with energy-efficient alternatives and properly insulating your home.
You can perform a do-it-yourself energy audit, and many local energy companies will also assist with a professional energy audit. Moneycrashers also offers some helpful tips in 10 Ways for How to Save Energy at Home Now – Save $2,500 Per Year.
With a money-saving mindset you’ll soon find other creative ways you can spend less and save more resulting in valuable time with your loved ones.
The time off work spent with a newborn is one of the most memorable times in a parentâs life. Like any other major life event, financial planning is crucial to make the experience as stress-free as possible. Saving for maternity…
The post Saving for Maternity Leave: How to Financially Prepare Your Family appeared first on MintLife Blog.