Real World Skills To Teach Your Kids

It’s not enough for kids to have a good education. It is important but not everything they need to become adults in the real world. Provide your children with the tools to succeed in life. Kids need to learn the skills necessary to succeed in life. How to get ahead with finances, changing a tire, budgeting, and the list is endless. So many things you as a parent can do to help provide your children with the necessary skills to survive. You cannot get by with grammar and math alone. You need everyday skills that schools will not teach you. As an adult some skills we possess now we had to learn the hard way. Through trial and error. That’s not always a bad thing we all discover things that way but some things could have been avoided if we had the knowledge beforehand.

 

Starting Early

You can start early and instill these skills into your kids and lead by example. Sure you have probably already shown your children how to make the bed, how you throw out the, brushing teeth, and know addresses and phone numbers. It’s not just about showing them how to do it. Involve your kids. Let them help you do everyday things so it becomes natural for them to do. Starting around preschool and maybe even before depending on your child. You can start having them help you do things. It would be much faster if you could do them yourself but it’s not enough to just show them and expect them to know. Here is a list of things you can do with your child at preschool age:

  • Picking up toys
  • Water the plants
  • Learn how to reach emergency services
  • Have a fire escape plan and practice
  • Make the bed
  • Wash Hands and Face
  • Learn Address and Phone Numbers
  • Teach how to swim
  • Brushing Hair
  • Cleaning up messes

 

Elementary School Age

  • Vacuum
  • Basic First Aid
  • Count and Make Change
  • How to Manage and use an allowance
  • Practice Typing
  • Use the library
  • Ride a bus

 

Middle School Age

  • Load Dishwasher and wash dishes
  • Do laundry
  • Read a Map
  • Shop for clothes and toiletries
  • Make a bank deposit
  • Plan a Party
  • Operate a cell phone
  • Manage Allowance

 

High School

  • Cook Dinner
  • Change a tire and fill with air
  • Make a budget
  • Making Appointments (doctor, hair, etc)
  • Teach how to grocery shop
  • Pump gas
  • Write Checks
  • What to do and what not to do with a credit card

 

This basic list is just to help you as a parent to start thinking of what you can teach your child. Get creative and think of things you had to learn on your own that if you were taught it could have made your life easier. Give them a headstart with the basic skills. Get creative and think of other ways you can teach your child how to survive.

Knowing How to Save as a Single Mother

If you are a single mother, you may have to juggle your finances since your child or children will depend on you to cover for two incomes that should be in the household – from a father and a mother. As a single mother, it is quite difficult to run a household exclusively with car payment, rent or mortgage, utilities, food and school expenses to take care of. It can be very challenging. With all the expenses, how can a single mother be able to save?

Watch Your Spending

Saving as a single mother is possible, but you have to watch the household spending for each month and set a budget, listing your monthly income and your monthly expenses. This will give you a better idea of the funds coming into the household and the funds going out.

Make a List

Once you make a written list of these expenses and income, choose the three that are the largest expenses. Usually, this could be the rent or the mortgage, auto payment and groceries. If you are paying a heavy mortgage, you may want to consider selling your home and purchasing something with less expense or renting an apartment at a lower monthly cost. If your car payment is high, you may want to also consider selling your vehicle and taking the bus instead. Remember that an automobile requires regular maintenance and gas every week. Your primary goal is to reduce your expenses as much as possible, no matter if you have to give up some of the conveniences that you are accustomed to. This can be a good lesson when teaching your kids good money habits.

Some Advice

If you were to move to a more affordable location such as an older apartment building, you may find that the rent is much less. Walk instead of driving when you can. If you have to work a second job or overtime, use some of the extra funds to put into a bank account. You could also use some of the extra money to pay down your debt so you can free up some of your money.

Eating Out

Instead of eating lunch every day at a restaurant, cook from home or make a quick sandwich to take to work. You can save so much money doing this one thing. Eating out adds so much to your expenses and it can be avoided. If you take your kids to the fast food restaurant more than twice per week, cut back on this. If you don’t know how to cook, invest in a cookbook or borrow one from the library. You will be amazed at how much money this can save you. Stop buying coffee every morning on your way to work or reduce it to just once per week. Make coffee from home and take with you each morning.

Cut Coupons

Nothing is wrong with cutting coupons to shop for groceries. Many single mothers have to resort to this. It might take some work to do this, but it will be worth it in the long run. Have the kids help you, if they are of the age to do so.

These are only some of the simple ways to cut costs as a single mother. Be creative and let the idea of having a saving account become your motivation. Commit to saving and you will be able to do it.

4 Way To Save Money As A Full Time Mom Or Dad

Being a parent is one of the hardest jobs out there, but for all the hard work, it doesn’t exactly bring in the cash. Being a stay-at-home parent doesn’t mean that you have to let financial stresses get to you, though. Whether you’re a full time mom, dad, or any other type of guardian, there are easy ways you can build a bit of savings without having to take time or attention away from your kids or other priorities.

Sell Some Stuff

Here’s the beauty of a garage sale – it lets you clean out your home of all the stuff you’ve accumulated and nets you some cash on the side. If you’re a full-time parent, though, the thought of getting up even earlier than you already do and doing a lot of heavy lifting at the crack of dawn only to go back in and do it all again for the kids probably isn’t an appealing idea. So instead, take the garage sale concept and move it online.

Selling your old stuff through online marketplaces like eBay and Craigslist are great ways to make some cash while decluttering, with the added benefit of being able to sleep in. It’s not just about big ticket items. Parents are always looking for affordable deals for school books, clothing and toys kids will grow out of quickly. If you’ve got clothes that don’t fit your kid anymore, you’ve got a tiny gold mine.

Rent Out Extra Space

You might not have extra space in the house, but did you know you can rent out your garage, driveway, or even parcels of your backyard? If you live in a city or near a transportation or office hub, places to park are at a premium. Renting out your garage or driveway is a great way to earn regular cash with little effort.

Renting a small parcel of land for something like gardening is also an option – just be sure to have very clear terms about what can and cannot be done on your land, and have it all in writing. This can help you prevent the planting of anything detrimental to your family and pets, or otherwise against the law.

Take An At Home Job

If you have a bit more time when the kids are in school, an at-home part-time job might be the way to go. You won’t be giving up any time with your family, and you’ll still be right there when you need them, but working as a virtual assistant, content writer, tutor, designer, or whatever else your interest might be comes with the benefit of being able to challenge yourself and do something that you enjoy while still being available as a parent. Be sure to do a bit of research to make sure the person or company for whom you work is on the up and up, but if you find a position you like, there’s no reason you can’t have a career at home.

Do Some Daycare

If you’ve got a kid, odds are they have friends. At least some of those friends probably need watching at least some of the time. Doing a bit of daycare lets you make cash just by watching other kids along with your own. You’re essentially making money for doing what you do every day, but on a larger scale. You can do it as much or as little as you desire, and of course you can pick your own clients. It’s the easiest way to parlay your skills as a parent into cash.

Living On One Income

It is a fact that more and more families are not staying together. Divorce rates are at an all time high and coparenting seems to be a new fad. It’s a sad reality but it leaves many to be single parents. Whether you are a single mom or dad balancing everything can be a difficult tactic. Often it seems as though you are just struggling to make ends meet. Years ago it was the norm for you to stay home with your children while the other parent worked and it wasn’t a big financial burden. That equation just doesn’t seem to happen much anymore. Being a single parent isn’t easy and financially exhausting but there are ways to make it a little bit easier. And even if you are a stay at home mom and need to find more budget saving ways for you and your family this can help you as well.  These are some tips that can help you live a little less financially stressed.

 

Start Saving

Take a small amount of income and put it away in a savings account. It will eventually accumulate and be a good cushion for you to lean on when life sends surprises your way. If you are currently living on two incomes and plan to just start living on one start saving and paying off debts. If you are already living on income put some money in savings, pay current bills, and if you have any money left start paying off debts with a small amount. This is what you call the snowball effect. Paying off debts slowing and having a plan set in motion will get you there gradually. Try using your smart devices free budgeting apps to help get you started.

 

Learn How To Stretch Your Money

Most people do not even realize how much their money can actually get. When shopping for things you need like clothing go directly to the back of the store to the clearance racks.You will be able to purchase more for less. Look for local kids consignment shops and trade in gently used clothes that are just lying around and toys that are not played with anymore. You can use the money to save or to purchase the things you need. Grocery shopping is a must for everyone. Try to spend about ten to fifteen dollars less than you usually do and put that money into savings. Look for sales and coupons on groceries for the things you need, do not buy things just because they are on sale. Do you have cable and do you really need it? Think about your needs and wants. Instead of paying for cable get Netflix or Hulu and you will be amazed at how much you can save each month. Start making your food at home instead of ordering out or going out to eat. Conserve the amount of gas you are using. Try planning your outings so you can stop along the way instead of continuously going back out for things. By using these simple steps it can surprise you with the extra amount of money that will be in your pocket.

Give These Tips A Try

Living on one income shouldn’t be a burden. Using some simple tips by stretching a dollar and saving wherever you can makes it easy. Start saving and give yourself the confidence and independant feeling of knowing that you can do it. Having the security of a backup plan will put your mind at ease when life throws you those crazy curve balls. Stop throwing your money down the drain and save!

 

How to Save Money at Disney World

Experiencing Disney World really is a magical experience. It’s hard to put a price tag on the memories you and your family will make there. But when you come down to it, it’s one of the most expensive vacations you can take.

 

Luckily, there are few simple ways to stick to your budget while you’re at Disney World. Here are the three biggest money-sucks of the Disney experience, and here’s how to avoid them:

 

 

  • Pricey Peak Hours: Go in the Off-Season

 

 

You’ve heard this a hundred times, but it’s easily the biggest Disney-related money-saving tip out there. Don’t go during peak times. This includes during the summer while everyone’s on vacation, spring break, or Christmas.

 

Some of the best (and cheapest) months to visit Disney World are in January, February, September, or November. Plus, taking a vacation to Disney World in those glum, colder months will give you a nice warm break in the Florida climate, and break up the tedium with something fun and exciting.

 

Not only will the park itself be cheaper in the off-season, it’ll be less crowded. Other money-saving off-season benefits include cheaper travel and airfare, cheaper hotel rates, cheaper car rentals, etc.

 

Steer clear of the busy peak months, even if it’s more convenient; ask off of work for a week if you want to save some serious money on your Disney World vacation.

 

  1. Costly Resorts: Book a Hotel Outside of the Park

 

The Disney resort packages can seem incredibly appealing, but unless you get some truly significant discount (for example; AAA members get a sizable discount at the All-Star Resort) then you should just book a cheaper hotel offsite.

 

There are hundreds of hotels orbiting the perimeter of Disney World’s gates, so you’ll have no trouble finding cheap and nearby accommodations. Sure, you’ll lose the novelty of staying in a Disney-affiliated hotel, and you won’t get all the cool resort stuff. But you’re rarely actually saving money when you book the Disney resort package.

 

Besides; you probably won’t be in your hotel room much. You’ll be too busy exploring the parks! Even if you’re traveling with a baby there are several nursery areas at Disney World where you can put baby down for a nap without having to trek all the way back to a resort or hotel, so closest proximity is less of a concern.

 

Most hotels near the park offer complimentary shuttle services that’ll take you straight to Disney World, so there’s no real reason to mess with the resorts unless you’re into spending more money.

 

  1. Sneakily Expensive Meals: Watch What You Eat

 

The biggest expense that Disney World visitors forget about is the high cost of meals within the parks. Packing snacks is a must, but of course it’ll only get you so far.

 

You’re sort of trapped in the parks, so Disney can safely ramp up the meal-time prices to $5 for a child-sized soda. Even the cheapest eats will cost about $12 per person. The good news is: most of the meal portions are massive. You can usually split meals between two hungry people and opt for water instead of sodas (you’ll want to stay hydrated anyway).

 

Stay away from the fancy snacks-on-a-stick and ice creams… they’re even pricier than the meals. Combo meals may also seem like a money-saver, but you actually wind up spending more, so go for the individual options, instead.

 

Pre-packed snacks and water bottles will be your new best friend, and if you loathe the idea of carrying it around with you, you can always splurge on renting a locker to stash it away for later. It’s still cheaper than spending a chunk of your budget on each meal!