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The Editor's Desk - From Beneath the Clutter
Feature Article - Where DO you get the time?
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Guest Article - 7 Ways to Get Back Your Budget in Record Time
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Gage got his helmet yesterday. He looks cute in it; now we just have to decide how to decorate it. We're allowed to use acrylic paints, stickers and a few other things on it, just so long as nothing gets on the foam inside.
Things have been pretty hectic since the surgery. Ariel needs so much attention, and I've had to think a lot about what I should be doing. I'll be caring for my niece this summer, which should actually help, even though she's seven years older than Ariel. Just having someone else to play with should make it much easier on Ariel. And by the time the summer is over and my niece is back in school, Gage should be starting to be a little more interesting of a playmate, even though he won't be able to do a lot of things.
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Why does it so often seem like you turn around and it’s midnight when you’re raising your kids? It seems like no matter what you do sometimes, there’s still a lot more work to do by the time you are ready to go to bed. What can you do?
The first thing you need to do is figure out where your time is going each day. Try making notes one day about what you do and how long it takes. If you’re feeling really ambitious, you can try this for a week, since every day is going to be different, but even one day will give you an idea as to where you’re using up all your time. It may feel like you’re wasting time writing these things down, and they will slow you down a bit for that day, but it can be a big help.
Take a look at what you spent your day doing. Now assign a priority to each. How much time would you prefer to spend on each?
Now if you add all these up, you’ll probably find out your day is more than 24 hours long if you include time to sleep. That’s how it is being a parent.
The first thing you need to do is figure out what items can be done less often. Can you stand a little mess in the house? Can everyone else? Can you get more help from your spouse and the kids in keeping the house clean? You’ll have to decide which solution is right for you.
What about time spent surfing the internet or watching TV? Give yourself time limits on each of these. If you have a Tivo or a VCR, try recording your favorite shows and watching them a little later, skipping the commercials. Not only does this allow you to choose the time you watch your shows, it can cut down their length.
Sometimes it can be hard finding enough time in your day to be with your kids, yet most parents will call this a priority. Just remember that time with your kids isn’t just about having fun. Even small children can help out with making dinner, which can be a great time for talking with kids of any age. My three year old daughter has been helping make salads since she was two. The lettuce ends up in either rather large or very small pieces, but she has fun helping and we get some great time together. Older kids may or may not appreciate this time, but it’s good for them to help out.
I definitely do not recommend cutting back on whatever meals you insist on eating as a family. This is a great thing to do as a family, and if you aren’t making time for family meals, find a way to do so! Even if it’s just dinner one night a week together, no activities or sports to run off too, your family needs the time to relax together.
Finally, are there things you can cut out all together? If you feel as though you’ve been pushed into doing things for others because you’re at home and “have time,” don’t feel guilty about telling people that you do not have the time to do things they want you to do. Your family comes first. If you really want to volunteer, think about either cutting back the number of hours when you need more time for yourself or your family, or volunteering for something you can do as a family.
There are only so many hours to a day, and so many things you’d love to get done. Take a good look at what you need to do, want to do and don’t really need to do, and you can find ways to feel a little less overwhelmed most of the time. You’ll go through times where there just aren’t enough hours in the day even when you know your priorities, but you can cut down on the less important stuff and relieve a lot of your stress.
Stephanie Foster is the owner of Home with the Kids, a resource that knows that there's more to staying home with your family than just business. For more stay at home tips, visit the site at http://www.homewiththekids.com/ and subscribe to the free newsletter.
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The price of everything has gone up, requiring people to be more conscientious about money. The problem is that by the time the mortgage, car, utilities, and credit cards are paid, there is little money to put aside. Saving money is not that hard, just a matter of learning all the different options and being creative.
In addition to the obvious of putting money into a retirement fund or savings account, there are hundreds of ways to save money. Although some ways of saving may not seem like much, once you add them up at the end of the year, you will see how substantial the savings really are. Keep in mind that saving is more than a single lump sum of money put aside. Saving is something found in your everyday life by the way you live and the choices you make.
1. Clearance
Always head straight for the clearance rack where you can find amazing bargains. Sometimes you may have to dig a little to find the right item but the savings will be well-worth your time. Most clearance racks offer variety, current trends, and great value. For example, Bed, Bath & Beyond has a clearance section where you can find all kinds of wonderful household items for a fraction of the original cost.
2. Thrift/Surplus Stores
Unfortunately, thrift and surplus stores have been given a bad rap. Many of these stores are filled with hundreds of top quality items. Name brand merchandise is easy to find but just like clearance racks, it takes some time to find. Find a thrift or surplus store close to where you live and then plan spending some time to find those outstanding bargains. One woman in Kansas City, Missouri located such a store about 20 minutes from her home. After shopping through every isle over the period of two hours, she walked out of the store with eight huge garbage bags filled to the brim with designer clothes for her and her children, many with the original tags still attached. She even found a couple of Liz Claiborne suits for herself at $5.99 each and a Dooney & Burke purse normally valued at $225 for $19.95. Her children had an entire season of school clothes and best of all, she paid less than $200.
3. Create a Budget
Everyone should create a budget. If you are not sure how or just not good with money, many businesses such as H&R Block, offer free financial consulting to help you put a budget together. Knowing where you are spending your money is by far the best way to save. In most cases, people have no idea where their money is really going and once they see it on paper, not only are they surprised but eager to change their spending habits.
4. Break old Habits
Take time to learn the various things that "trigger" your spending. When you are depressed, lonely, sad, anxious, excited, whatever it may be, do you spend more? Once you can identify these triggers then you can learn how to control them. As an example, if you were just laid off from your job, although money is tight, you may have an overwhelming "need" to spend money. Perhaps you notice that when you are bored, you head for the shops. Knowing what affects you will help you to discipline yourself to find other ways of comfort.
5. Utilities
Set up some rules in your home such as turning lights off when leaving the room, having only a parent adjust the air or heat, leaving the doors or windows open when letting either cold or hot air into the house. Utilities are expensive and a great money saver is to monitor how they are used in your home. Another great idea is the investment of buying an energy-efficient hot water heater. If you cannot afford one, lower the setting so you are not heating water so hot. The hotter the setting, the more energy used.
6. Unsecured Creditors
Make a list of all your unsecured debts along with creditor contact information and payoff amount so you can have an accurate record of how much you owe. Choose one creditor, possibly a credit card, and focus on paying off that bill. Once you have achieved that goal, choose another. Start with the debt that has the highest interest rate since it is the one costing you the most money.
7. Coupons
Okay, maybe you used to laugh as you watched people pull out their coupons at stores but the truth is that using coupons can save you hundreds of dollars every year. Coupons can be used at grocery stores, retail chains, any store where the item is sold. Some stores offer double coupon days, which is an extra bonus. On average, you could easily save from 5% to 15% on a bill for $100 simply by presenting a coupon. Coupons are not just for food items and by scouring your local newspaper you can find coupons for all sorts of merchandise.
Jill R. Hyland is an Independent Marketing Representative, National Director for Maxous, Inc., a company saving people 20% to 50% on things people purchase every single day, such as Fast Food-Dining, Medical, Movies, Prescriptions, Car Services, Vision, Legal, Dental, Golfing, Bowling, Haircuts, Travel, and much, much more - As Low as $19.99 per month for the whole family!
http://www.discountspro.com
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