3 Financial Tips for WAHMs

As a WAHM, I've learned to accept the fact that my income is unpredictable. For this reason, I've also become a frugalista. While I have a lot of suggestions that I want to share with you, if only a few of them work for you, they will be helpful.

Financial Tips for WAHMs #1: Utilize Penny Banks

Collect your loose change and watch it add up in such a short amount of time. This is always great when you occasionally need a few extra dollars.

Financial Tips for WAHMs #2: Pay Yourself First

You need a backup plan in the form of a savings account. This means that you take out either an exact amount or a percentage of each paycheck you receive. Once you put some money into a savings account, forget about it. Of course, as you do this, you'll also want to make sure to keep track of your bills so you know how much you actually owe. A great way in which to do this is with a bill organizing system such as this one...

 

Financial Tips for WAHMs #3: Be Realistic

Set up small, more attainable goals. Maybe instead of having a six-month backup plan, you have one for three months. Once you reach that goal, you can move on from there.

9 Things to Do with This Year's Tax Refund Check

Will you be receiving a tax refund check this year? If so, what are you going to do with it? This isn't "extra" money, not even money you've "found." This is money the government's held for you in a saving's account. Therefore, you should use it wisely. So, you should consider doing one of these things.

Pay down your debt (e.g. credit cards, student loans, car payments). Focus on the loan with the highest interest.

Put some money aside and start an emergency fund. This account should contain enough money to cover all of your expenses for 6 months just in case your main source of income is suddenly gone.

Take a look at each of your insurance policies to make sure you'll be fully covered in case of an emergency.

Set aside some money for retirement. The earlier you start, the more money you'll have saved up.

Plan ahead for your children's college education. It's expensive so you should start a 529 plan ahead of time.

Upgrade your home. You may even qualify for some tax credits or abatements to help stretch your money some here.

Invest some money in a taxable account. Doing so can help you amass a big nest egg if you do it right.

Donate to a charity.

Set the money aside for this year's vacation. Instead of using your charge cards, use your tax refund money so that you won't have to stress about the financial aspects of your vacation later on.

Start with the first four items on this list. Once you've accomplished them, you can work on the rest.

If you're receiving a refund, what are your plans for it this year?


This post is part of "My Stay At Home Adventures Linkup Party"

WAHM Blogging For Money

I have really enjoyed blogging. Although it's been fun, I'm hoping to turn it into a full-time income sometime. I know it takes some work but I've been doing what I'm told will work eventually.

To begin with, they say you should blog about something you know, which I do. I have around 10 years of experience as a WAHM and homeschooling, qualifying both of those blogs. I have a multitude of health problems, as well as a love for pets, thus my Live Love Laugh blog (a saying I like too). I'm also an ordained ULC minister with a BA in Religion, hence my Christian blog. So, what do you know a lot about?

Of course, you know you have to monetize. You can do this by involving outside companies in your blogging. I have chosen to go slow and build my own products instead. I do have some other links to money making programs on my blog though because I don't want all my eggs to be in one basket.

All good things take time. That's the point I'm now at... Trying to spread the word about my blog. Do you know someone who may enjoy this blogging network? If so, I invite you ask them to stop by. Let me know about your blogs too by commenting. I like talking to my viewers!

Get your WAHM deals on 2/11/2015

T.J. Maxx - Maxx Valentine Sweepstakes 

Win a pair of diamond earrings worth $8,000!       

Jergens Moisturizer Coupon & Rite Aid Deal

Buy (2) Jergens Ultra Healing Moisturizer, 12.5 oz ($6.43)

Use (1)  $3.00/2  Jergens Moisturizer Printable Coupon

Use (1) $2.00/1  Jergens Body Lotion, RITE AID COUPON (adperk.com)

Pay $1.43, or just $.72 Each

CoverGirl Makeup items Free (Reg. $1)

$2/2 CoverGirl Product, exp. 2/28/15 (P&G 01/25/15)

Final Price=FREE

Scotch tape pop up dispenser Free (Reg. $1)

$1/1 Scotch Pop-Up Tape Dispenser, exp. 12/30/99 (Peelie) 

Final Price=FREE

Want more coupons, freebies, steals and deals? 

Visit Keep Calm & Coupon

Make sure to follow me on G+ for more deals throughout the day too!

Get your WAHM deals on 2/10/2015

World’s Largest #StarbucksDate on Feb. 13th = Specialty Coffee & a Treat JUST $5!

Want more coupons, freebies, steals and deals? Visit Keep Calm & Coupon

Get your WAHM deals on 2/9/2015

Free sample of AdvilPM

Woman’s Day Easy Everyday Dinners and $250 Giveaway

CVS: Curel Ultra Healing Lotion

$3 now 49¢

Want more coupons, freebies, steals and deals? Visit Keep Calm & Coupon

Get your WAHM deals on 2/8/2015

Complimentary one year subscription to "Everyday With Rachael Ray"

Martha Stewart Essentials Vitamins: $2.51 Moneymaker

Buy (1) Martha Stewart Essentials Vitamins $7.49
Use (1) $5.00 when you buy ANY ONE (1) Martha Stewart Essentials Vitamin Supplement
Use (1)$5.00/1 – Martha Stewart Essentials Vitamin Supplement, ShopRite eCoupon
$2.51 moneymaker after coupons

Papa Johns: 40% off Any Large or Xtra Large Pizza!

Use code: WEB40OFF

Walmart: $1.98 Eight O’Clock Coffee 11oz! ($4.98 Value)

Buy: (1) Eight O'Clock Coffe 11 oz $4.98
Use (1) $1.50/1 Eight O'Clock Coffee coupon, print Exp 3/31
Pay: $3.48 OOP
Redeem (1) $1.50/1 Eight O'Clock Coffee iBotta offer
Final Price: $1.98

Aquafina Bottled Water only $0.27 at Target!

Target Deal:
Buy (1) Aquafina 1 L, $1.02
Use $0.75/1 Aquafina (Ibotta Deposit) [Any variety; 20-oz. bottle or larger]
Final Price: $0.27

Want more coupons, freebies, steals and deals? Visit Keep Calm & Coupon