Some Simple and Free Financial Advice Us Mommies Need to Keep in Mind


Everyone’s talking about the economy, and seeking financial advice left and right in order to to cut back and keep up with what seems to be a downward spiral of financial security. But that’s just the problem, especially with us lovers for shopping. Financial security has trained us to spend spend spend without thinking about the future. So now that the economy threatens financial comfort, it’s hard for people to get adjusted to cutting back.

So what do we do? Well apparently there’s not much you can invest in safely any more because we all know how that’s going for people. Savings accounts and Certificates of Deposits have such a low interest rate, that it takes years upon years for you to actually benefit from saving up. And without guidance any of that stuff can seem overwhelming to even think about. But there are some relatively sound investments that you can make.

So start with what you have; what you can control, experts say. Learn some simple self-control techniques, and those alone will help to secure a better future at the time living in retirement. Such as, you may ask?

  1. Pay cash – Many retail stores will suck you in with the 10 percent discount incentives if you sign up and pay for what you buy with their credit card. But by the time you factor in the interest rate of that credit card, you’re actually losing a ton more money. Pay cash, and try not to buy novelties unless you know you can pay for them in cash right away, or unless you know you can pay off whatever you charge within the month.
  2. Do it yourself – My brother’s going to come over and show me how to change my own oil as soon as it gets really warm out. That’ll save me about 30 bucks every few months. My husband is having his friend help him remodel our basement, and he insists on cooking at home rather than going out to eat.  Clean your own car rather than spending money at a car wash, etc. Doing things yourself rather than paying for a service will save you a ton of money.
  3. Do without – Analyze your needs and your wants, and start cutting off spending from things you don’t really need. By all means enjoy life and treat yourself every once in a while, but if you can tell that you’ve made splurging on a cute pair of shoes a constant habit, start trying to wean yourself.
  4. Budget – A good practice of keeping you on task is to create a spending money budget. Every month, you make a list of all of your bills. Make sure you put  money aside to pay them all, then whatever is left you assign it different tasks. Like “savings money,” “dog food money,” “grocery money,” “spending money,” etc. Then take whatever money you plan on actually spending  and take it out in cash. That way, you know exactly how much you have, and don’t risk over withdrawing.
  5. Rainy day jar – Have a small emergency fund savings account. That way, when, say, your car breaks down, you’re not charging this and that on a high-interest credit card because you are panicked. Or when the roof starts leaking, you’re not dipping into your retirement fund and then getting penalized for it at tax time. Have some money saved up just for that.
  6. Buy used – Electronic goods, cars, hardware, etc. all go down in value over time, so when you buy them new, you’re only going to lose money starting from the day you buy them. So cut your losses, and buy used. Except for clothes – if you buy new clothes off season, you can save a ton of money, and used clothes are usually overpriced.
  7. Be prepared – Another way to protect yourself from going into debt, is by getting disability insurance. You never know when you’re going to be out because of a health issue. What would you do? Charge all your expenses? Nope. You’re going to have disability insurance.
  8. Start young – The sooner you start a secure retirement fund, the more it’ll grow. You definitely want to talk to a financial adviser about what your best option is as soon as you can.
  9. Don’t pay sticker price – Did I just sound liek a car salesman? But no really. The price a store sets for an item, is most of the time negotiable. Don’t just accept it. Price match, offer competitor’s coupons, search for rabattkod cdon coupons online for things you want to buy, etc. I can’t tell you how much money Michael saved us by doing that. We never buy any big ticket items without price-matching and using a coupons.
  10. Don’t be dooped – Listen to your gut feeling when you have buyer’s remorse, and don’t let trends, society, salesmen, etc. convince you you have to buy something. You’re not obligated to do any thing you don’t wanna do. Keep all receipts and packages and return return return if you change your minds, you’re not going to use something, or if it fails you withing the first three months – heck even a year. Don’t feel bad, and don’t get lazy. It’s your money – you have the right to get quality stuff for it.

These are just a few financial advice tips that I picked up from listening to Dave Ramsey’s CD collections, talking to my finance-savvy brother, and talking to representatives from finance service companies such as Primerica. I consulted with Primerica rep. Kad Favorite from the Pittsburgh area, and se was great. And who can forget Susie Orman?

Please, if you have some sound financial advice to offer, feel free to chime in! I would say feel free to ask questions, but by all means I am not a finance service expert. Your bank will ususally offer free consultations, and I know companies like Primerica will come to your home and help you set up a plan. You just need to seek out the right resources!


Parenthood is…

I have to laugh at many of the stupid parenting revelations that grace us day by day. So I’ve decided to start a list, to which you can add your own; I’m sure we’ll all be very amused with your additions.

Today’s revelation:

Parenthood is being completely out of toilet paper and pads for a week, but fully-stocked with cases and cases of diapers and baby wipes. So we make use of them for purposes other than were intended. Why? Cuz toilet paper and pads are no longer necessities enough for us to break from our busy lives and make a trip to the store just to replenish our stash. Gross? No. That’s just reality.


Homemade Mascara Recipe


I go through mascaras like crazy, especially because I have a tendency to play with my eyelashes, so if you’re like me, it might save you money to make your own homemade mascara. This recipe is also supposed to be good for those with sensitive skin and sensitive eyes. But, I do have to say, it has not been tested by the FDA. It has only been tested by individuals who have made it and used it.

This fitness was recommended by hairfitness101 at the Long Hair Community website. This recipe is not waterproof, so it rinses easily (So you won’t get raccoon eyes, but it will wash right off when wet), but if you dip your wand in hot water before applying it, it helps it to be more permanent.

  1. Approximately 1/2  teaspoon of a pigment color of your choice. I would do charcoal brown, because my lashes are pretty dark. You can buy mascara pigments at store like Sephora or Ulta. You want to crush it up even more with a mortar and pestle (Ceramic bowl with ceramic mallet).
  2. Add 1/2 teaspoon of aloe vera gel (FOTE) and mix well; you can keep adding a bit more and more until the mascara is a shine to your liking.
  3. Voila! You have your mascara! It’s seriously that easy. You can put it into a sealed container, and use one of your old wands to apply. Or, stores like Sephora and Ulta of Sally Beauty Supply should sell empty containers for you to use.

Using this recipe should save you money when buying mascara so that you can use your money with lip fillers and botox. You probably end up spending $6 to $50 for your mascara (It really varies by brand), when I feel that the truth is, they’re not all that different from each other. I’ve never experienced a miracle mascara that did wonders without an eyelash curling iron.

The key is to find inexpensive pigment and aloe vera gel. You can actually find bulk amounts of pigments by sellers on ebay. Or, try looking at local beauty supply stores meant for makeup and hair stylists. is also a mascara eyegood site for buying bulk makeup. Because the pigment is essentially just powder eye shadow, Avon probably offers them at a decent price as well. You just buy it in whatever color that you like. is a good site for buying the Aloe Vera gel in inexpensive prices, but in bulk. Because as you probably know, buying anything in bulk may be more of an investment in the short run, but will save you money in the long run.

Like I said, this recipe has not been tested by the FDA, but as long as you buy ingredients that have been tested by the FDA, you should be absolutely fine. Which, most of the sites I recommended to have items that are FDA-tested.

Face product you would like to try is here:

And hey, you can also look for bulk minerals and vitamins that you can put into the recipe, you just have be certain that they can be applied to the eyes. Who knows, maybe if you come up with your own homemade mascara recipe that kicks butt, you could start your own line!