Keep the Kids from Being Bored With These Free or Inexpensive Summer Activities

Summer is here and children are out of school. 

If your kids are like mine, they count down the days until school ends, and they revel in their newfound freedom — for a week or two.  Then, the inevitable sibling bickering and the whines of “I’m booooored” begin.

By mid-July at the peak of summer when they’re most bored and the temperatures are soaring, things can seem pretty grim.  Parents may begin counting down the days until school is BACK in session.

But it doesn’t have to be this way.

There are plenty of things you and the kids can do to have a fun, educational summer.  (All the better if they don’t realize they’re learning while they’re having fun!)

Best of all, many of these activities are cheap or free!

Fun Trips to Take

Continue Reading

Fourth (4th) of July Deals, Freebies, and Discounts 2013

fourth of july fireworks

For the last several years, companies have generously offered freebies as a way to get new customers in the door (and perhaps spend more money with the business offering the freebie).  A wise consumer may choose to take advantage of the freebie and not necessarily buy more.

If you are looking for some frugal fun on the days leading up to the 4th and on the 4th itself, check out some of these 4th of July freebies and deals:

Restaurant Freebies and Deals

fourth of july fireworks

Have a great 4th of July and enjoy these great deals!

Most people don’t spend the Fourth of July inside a restaurant, so several restaurants have offered some good deals to entice you to visit them.

Here are some of the best deals:

  • It’s BOGO (that’s buy one, get one free) smoothies at Jamba Juice through July 7th. Use this Jamba Juice coupon.
  • Spaghetti Warehouse is offering $5 off any two entrees.  Head over to this Spaghetti Warehouse Facebook page and Like them for the coupon.
  • Boston Market is offering 50% off any of their Family Meals on the 4th of July with this coupon.  This is a great way to get the cook of the family out of the kitchen so he or she can enjoy Independence Day.
  • Head over to Outback Steakhouse and say “Let Freedom Bloom!” and get a free Bloomin’ Onion.

Continue Reading

Walmart Life Insurance Policies – Should You Buy Yours There?

Imagine the unimaginable–you’ve died. 

In the prime of your life, years before you thought you would, you’ve died.  You’ve likely left behind a spouse and children.  Of course, they will grieve your loss terribly, but soon after you pass on they’ll be confronted by a harsh reality of life without your financial contribution.

How will your spouse survive and meet the bills?  Will she have money to send the kids to college?

Unfortunately, financial considerations crop up soon after someone dies when the funeral needs to be planned.

Life goes on.

If you’re the primary breadwinner, life goes on for your family with much less money, unless you had life insurance in place.

Unfortunately, 30% of Americans have no life insurance.  “Of the 35 million American households without life insurance, 11 million include children under 18″ (MSN).  While dying in your prime is unlikely, it happens every day.  My dad died when he was just 38, and my parents were woefully underinsured with life insurance.  My mom has struggled financially since he died over 25 years ago.

Why Don’t More Americans Get Life Insurance?

Continue Reading

Children and Allowance – When to Start and How Much

Long before we enter the working world, wage disparity can occur in the form of allowance.

I don’t remember talking to my friends about how much allowance they made, but I am guessing the subject probably came up.  As a parent, allowance is definitely something to consider carefully.  You don’t want to give your child too much nor too little.

-“This is an emergency!  I need to know all of your allowances!”

-“Why?”

-“Because you are all still friends, even with different allowances!  I have to know how you do it.”

-“Do we get different allowances?”

-“I don’t know, do we?”

From the kids’ show Arthur, in the episode More! where Arthur’s little sister, D.W., is angry she earns less allowance than her friend.

When Should Children Get an Allowance and How Much Should it Be?

Determining the Work to Be Done

Continue Reading

How Can I Pay Off My Student Loan Faster? 3 Programs to Help

There’s no doubt that American college students are in deep–deep in student loan debt, that is

The average college graduate who has student loan debt walks away with roughly $25,500 in debt.  To pay those loans off in 10 years, the graduate will have to pay nearly $300 a month and will pay almost $10,000 in interest over the life of the loan.

New college graduates in this tough job market often must settle for low paying jobs to gain experience before they can move up to a better paying position.  Factor in rent, food, a car, health insurance, and a professional wardrobe, and tacking on a steep student loan payment can be difficult.

While there is no easy way to get out of student loan debt quickly, there are a number of programs that are available to help graduates pay off their debt faster.  These programs won’t erase student loan debt, but they can give graduates a little extra help paying off their loans.

3 Programs to Help You Pay Off Student Loans Faster

Continue Reading

First Comes a House, Then Marriage?

Did you live with your spouse before getting married?

If so, you’re not alone.

More and more Americans are choosing to live together before getting married.  According to a CDC study, 48% of women interviewed between 2006 and 2010, ages 15 to 44, had cohabitated with their significant other.  This trend has been on the rise, so it’s not surprising.

When you consider the level of student loan and credit card debt some adults have when leaving college, living together may also be prompted out of financial necessity to pool resources and be able to afford living expenses while paying down debt.

A New Trend — Buying a Home Before Marriage

Did you buy a house with your spouse before you were married?

The opportunistic housing market with low housing prices and unbeatable interest rates combined with the trend for many couples to cohabitate has sparked a new trend — buying a house together before getting married.
Continue Reading

Second Marriage? Have a Financial Date Before You Tie the Knot

With a divorce rate that is commonly quoted as being 50%, second marriages are common. 

However, according to the Wall Street Journal, many experts cite the divorce rate of second marriages to be 40%.

Second marriages come with more baggage — ex-spouses, stepchildren who may or may not like the new step parent, and, of course, financial complications including spousal support and first family obligations, just to name a few.

It’s no secret that money disagreements can be one of the top causes of divorce.

According to a study conducted by Jeff Dew of Utah State University, “Couples who reported disagreeing about finance once a week were over 30 percent more likely to get divorced than couples who reported disagreeing about finances a few times a month” (The New York Times).

So how do those in second marriages, who perhaps bring more money issues and baggage into their marriage with them than they did their first marriage, avoid financial conflict?

One strategy is to have a financial meeting before they marry (and some may argue before they even get engaged).

Make sure to consider these financial topics before that next marriage:

Continue Reading

Free Newsletter to Keep you Free From Broke!Name: Email: We respect your email privacyPowered by AWeber email marketing