Skip to main content

Posts

Showing posts from December, 2016

How To Start Saving Money For Next Christmas

What do you mean next Christmas? Christmas was, like, yesterday!

I know, I know. However, now is the time to set your budget for next Christmas and to start saving money for it. You know how much you spent on gifts, food, entertainment, and all the little extras. If you don't know, now is a good time to find the receipts and add them up. 

While you might be in shock over how much you spent, you need to take the time now to come up with a plan for next year. My goal is to pay cash or have the money in my checking account to pay for Christmas. I start early buying gifts so I can spread out the spending more. Saving money now allows me to start buying early because I have the money already saved.

If you were forced to use credit cards to pay for Christmas this year, this plan is for you too. Pay off those credit cards as quickly as possible and start putting some money away for next Christmas. If you used credit cards for the points and cash backs and can pay them off right away, that l…

My Mind Is Literally Going In A Hundred Directions...

I haven't done a post like this in a long time, but the end of the year is coming. This post may be a little long, but I want to explain where I am at right now, what I am interested in now, and where I am at in life. I haven't even looked at my goals for this year in about six months. I know some have been accomplished, but not all of them. I don't think, as of right now, I will set specific goals for next year.

I am okay with that.

Because my mind is going in a hundred directions. Literally.

My life this year has been crazy. In January, Rob and I started living together and there continues to be a lot of adjustments for both of us as well as the kids. The kids at home are busy and continuing to live the life of a 16 year old and a 12 year old. Although I do have to say having a 12 year old boy after three girls is quite different. Not always in a good way either.

However, my interests are the same and different. This is where my mind is going right now.

I still love and am in…

20 Tips For Surviving Winter in the Midwest (or Anywhere!)

Winter can be brutal in the Midwest. The wind blows like crazy, the temperature drops with only an overnight notice, and the snow can really mess things up! 

For example, this is today's and this weekend's forecast:




Just lovely, eh?

However, I am here to help you stay warm, dry, and hopefully safe. Winter can catch people off guard. They aren't dressed properly, do not have the right gear with them, and can totally underestimate how cold they can get. Some people can get caught in these conditions by taking going in the ditch during bad road conditions, having a vehicle break down on the side of the road, or having a car not even start due to the cold conditions. 

20 Tips For Surviving Winter in the Midwest (or Anywhere):

1. Always have and wear insulated gloves, a hat that covers your ears, and a scarf. These three things go a long ways towards staying warm.

2. Wear a good heavy coat. This should go without saying, but I see so many people without them!

3. Wear layers. It is eas…

10 Money Saving Hacks For A Happier (And Cheaper) Holidays!

In 10 Money Saving Tips for a Frugal Holidays, I focused on how to save money on gifts and stockings. Those tips have saved people a lot of money since the post was published. However, during the holidays, saving money on gifts is not the only way to save money!

During the holidays, normally frugal people can even go crazy and spend money that they know better than to spend! Something about the holiday spirit makes people throw out their budgets and good caution. We want to be generous, treat people well, and generally have a good time. That is great to do, but we can all practice good sense with these money-saving hacks listed below!

1. Respect the traditions. If you have certain things you do every year and you know your family will miss them if you don't do them, keep the traditions alive as long as you can afford it. The costs of these traditions should already be in your holiday budget. If you take the whole family to a big show every year, that costs should already be figured …

Homemade Chili - A Winter's Delight!

Chili is probably one of our favorite soups/stews at our house. Everyone loves it except for my son who doesn't love beans, but loves the rest of it! My daughters make it at their college apartment  for themselves and their friends. This goes over very well for crowds. We make this a lot in the winter!

The original recipe was my mom's recipe. However, I couldn't leave well enough alone. She doesn't blame me. She messes with recipes too! 

This recipe is really versatile! I have warmed up the recipe a bit from my mom's recipe because I like my chili a little spicier, but not too spicy. However, you can add more spice, red pepper flakes, cayenne pepper, or some hot sauce if you would like. 

I also use two pounds of ground meat in my recipe. I usually use one pound of ground beef and one pound of ground pork. You can use whatever you like. This is good with all ground beef, all ground pork, with ground venison, and/or ground turkey. You can cut back on the meat to only 1-…