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How to Shop at the Thrift Store Like a Pro

I started thrifting about 5 years ago after working at the Salvation Army. It was a foreign thing to me up until then. Growing up was so hard because I never really had any nice clothes and people would tease me all the time. If I would’ve of known what I know now I would’ve been the flying chick in high school. Now I’m the most fly mom at my son’s school.

You can still have nice clothing if you shop from the thrift store. I find NWT items all the time. The best part is that you can use your imagination to create new items.

Shopping Trip Tips
  • Tip #1: Look at the calendar ahead of time. Look to see what sales are going on so you can maximize your savings. Here’s a look at the Goodwill calendar in my area: November-2018-Calendar-2 
  • Tip # 2: I don’t care what sale you’re going to always set yourself a budget and only get what you need.
  • Tip # 3: Buy items that complement items you already have in your closet.
  • Tip # 4: Sign-up for Club Blue to gain access to extra rewards. Also get points for your purchases.
  • Tip # 5: Always donate. They will ask for your phone number. The points will be added to your Club Blue which counts towards your $5 reward when you reach 100 points.
  • Tip # 6: Buy your children’s toys from there. They will have the lastest and all you have to do is clean them up and it will save you a trip to Target.
  • Tip # 7: Look at the calendar for the color of the week. The color of the week is half off.
  • Tip #8: Check the fitting room racks for items that other people already found. There’s always a gem or two hanging around.

Don’t be afraid to go to the thrift store and look around. You won’t be able to find anything if you’re just standing around. There are always treasures, but you have to be willing to search.

The post How to Shop at the Thrift Store Like a Pro appeared first on Just Creative Dreams.

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Budget Kind of Friendly Turmeric Face Mask

The thing that makes it kind of expensive is the Manuka honey, but if you were to get a facial from an establishment it would cost you $60-$80 per session. I do a facial approx twice a month and it will cost me.

The benefits of This Mask

Manuka honey has medicinal properties and it filled with vitamins B, C, and live enzymes (MMP). The MMP destroys the collagen. It heals acne, repairs the skin, and naturally hydrated the skin by drawing moisture from the air.

Tea Tree Oil

It gives my face a tingling cooling feeling. It helps to reduce inflammation, it’s an antiseptic, and it helps reduce the severity of the acne.

Tumeric

It’s an anti-inflammatory and it helps to clear up acne. It’s perfect for acne scarring that a lot of people may have already.

Jojoba oil

Jojoba oil is similar to the sebum produced by your body, it’s moisturizing, it reduces the appearance of wrinkles, and it speeds up healing.

Directions

1/2 teaspoon of Turmeric

1 tablespoon of honey

1/2 teaspoon of ACV or water

Mix together in a plastic bowl. Make sure you wear so old clothing because Turmeric can stain your clothing. Also, it can stain your skin a little that’s why after the mask we’ll do an oil cleansing method.

Make sure you test this mask before putting it all over your face. Leave it on your face for

approximately 15-20 minutes. Then rinse with warm water.

Oil rinsing method

Add a couple drops of tea tree and jojoba oil to your face. Massage it in. Use a washcloth and run it under warm water then wring it out. Put the washcloth over your face and let the steam open up your pores. Wipe your face with the towel and you’re down.

Your skin should be glowing! Please be sure to read my other blog posts.

The post Budget Kind of Friendly Turmeric Face Mask appeared first on Just Creative Dreams.

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Money saving Apps that you need right now!

Ever since I’ve been couponing I have been using apps to help me save even more money. Here are the top Apps that I use right now. This is the first post in this series. Make sure to come back for the second post in this series.

Fetch Rewards

This app is my favorite app of all times. I have gained the most rewards with Fetch. All you have to do is download the app on to your phone and start scanning receipts. After you scan a receipt is takes about 30 seconds for it to process. You earn more points when you buy items under the special offers tab. Please only buy items that you need and will use.

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Receipt Hog

Receipt Hog is a newbie for me and so far it’s a slow process and I haven’t received anything just yet. The main reason why I downloaded the app is that they accept receipts from purchasing gas. I buy about $280 worth of gas a month. The process for receipts are up to 4 days but that doesn’t bother me too much. The perks are that they have a slot machine to gain more coins and you earn tickets for the sweepstakes and you can win up to 5000 coins.

These two are the ones that I use the most and I love how you don’t have to have specific items to receive points and coins. Fetch rewards usually will give you 25 points for shopping and Receipt Hog excepts any receipt that you scan, but you will only receive 10 coins at the most. Thank you for reading the first series of this topic. The second post will be coming soon with more money saving apps you can choose from.

Please be sure to check out my other blog posts and my Pinterest account for new ideas.

The post Money saving Apps that you need right now! appeared first on Just Creative Dreams.

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3 Steps to Financial Freedom

I love Dave Ramsey with my whole heart and right now I’m kind of following the 7 Baby Steps but fitting it to my lifestyle. Please know that I’m not an expert. I’m just doing what works for me and my family. Everyone’s situation is different.

Step One

I want to make sure that all our bills are current because to me it makes no sense to try to save money that you really don’t have. All the income that we receive at the moment is to get us caught up on our bills. Once that’s done then we will start to save money for one month of expenses.

Step Two

This step includes the $1000 emergency fund and $4000 for our expenses for the month. The $4000 dollars include car insurance, mortgage, car payments, our bed, iPad, timeshare, etc. And this money will help on months when the hubby gets laid off and we’re waiting for checks to roll in. The bills will be paid on time and the good thing about this is that we will not have any more late fees. Dave Ramsey says to save 3 to 6 months but at this moment I can’t do that. I can only do what works for me.

Step Three

Step 3 will be the debt snowball method. You can find all the information for that here. This method is pure gold and it will work if you follow it through and through. These are the three steps that I will be focusing on for now because when I get too ahead of the game that’s when I start messing up. So I’m still on step one but we are slowly implementing a plan to reduce our expenses. Once we get caught up then we will have a final number for how much we need to save to cover our expenses for a month.

Changes

Some changes will be trading in our cars for lower payments(this will save us approx $400 a month) and paying off our bed ($100 a month). The thing we must stop doing is adding expenses. This is where we begin to fall back into the trap again. Another solution would be to make extra money but we’re already stretched thin.

Please be sure to check out my other blogs and subscribe.

The post 3 Steps to Financial Freedom appeared first on Just Creative Dreams.

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2 Ways to Save Money on Accessories
CategoriesRomweShein
Free shipping
$49 and up$49 and up
Student Discount10% off15% off including sale items
Processing3-7 days3-7 days
Shipping5-7 daysStandard 6-8 days
Express 2-14 days
ReturnsNo Free returnsFree
Cost of items.59-21.99.99-15.00
Reward programN/AYes

These are my two favorite places to go for accessories and they’re affordable for any budget. You can get sunglasses to wigs. What I do before purchasing an item is checking the reviews first, it will help you decide whether or not you buy an item.

Also, make sure you order in advance to get your items in the timeframe that you need them. Out of the two, I like Shein more because of two reasons, you get free returns and they offer express shipping. I really love for my returns to be painless and Romwe charges you $7.99 as a flat fee for returning the item. You might as well give it away. So before you go off shopping and spending a lot of money check out these websites first and find you some deals.

Bonus

You could always do some DIYs with old jewelry and make new jewelry. I do this all the time. Or you can go to Michaels or Joann’s and buy craft items to make at home. I usually will take the hubby into the store so that I can use a coupon for my first purchase and a coupon for my second purchase.

An app you can use for coupons

They usually have coupons for 40-60% off one item and it usually comes off the highest priced item. If you can’t find a coupon for that particular store you can use a competitors coupon or just use an app called, “Retailmenot”. I’ve made my own jewelry for $1 each before and it saves so much money. The only thing about DIYing is that sometimes you don’t have the time to do it. I have a 6-year-old son that drains all my energy and by the time I think about making some earrings I’m falling asleep. Here are some of the items that I made in the past.

Please make sure to check out my other blogs here and my Pinterest page here.

The post 2 Ways to Save Money on Accessories appeared first on Just Creative Dreams.

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Just Creative Dreams by Creativedreams - 8M ago

Mid-Actual Budget
Income $3615Mid-ActualEnd-Actual
Mortgage $823
$833.60
Car payment 1 $626
Car payment 2 $397
Insurance $367
Groceries $100$58.17
Gas $280$15
Utilities $250
Entertainment $50$14.99
Cell Phone $202

$292
Cable $220$207.70
Real estate fee $50
Bed $100
Hubby Loans $30
Borrowed $
Credit cards $100$35.00

There’s a couple of rows I need to add for next month, but so far it’s kind of working for us. We did receive child support twice this month which was surprising. I don’t add child support into our overall budget income because it’s so sporadic and it comes on a different card, but I still do count it as part of the regular income when it comes. Hopefully, that makes sense.

Income as of 11-15

$420.01 is what has come so far. Our income is all over the place because the hubby gets laid off a lot and we have to rely on unemployment while he’s off. If you’ve ever received unemployment then you know that it’s not consistent. It comes in big chunks after your behind on your bills.

Extra expenses

Starbucks $16.29

I usually spend $180 a month, so I think that this is a huge improvement in this area. We still have a problem with eating out, but I can say that we have been cooking more. We used to eat out every day.

Eating out $183.89

NSF Fees from the bank has been usual this month, but like I said when out checks our late we can’t make the bills on time. I have to come up with a plan next month. The thing we need to stop doing is to stop living check to check. I think we need to save up enough money to cover all our expenses for one month and a little extra for emergencies.

NSF fees $174

I spent $24 on parking for my job and I spent $27.13 on my blog. These two weeks have been so eye-opening and hard. One thing I won’t do is give up and stop. I’m determined to get my finances in order. Please remember that I am not a professional and I can only do what works for my family.

If you would like to follow me on this journey click here to sign up for my email list.

The post Mid-Actual Budget appeared first on Just Creative Dreams.

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Supercharge your dollar tree trips by buying these essential products for your professional and personal life.

Dollar Tree has always been my go-to for buying different types of items for my house. I think my favorite is the home decor section because it helps me to decorate my house on a budget. You don’t have to jeopardize your budget or go broke shopping here which is the best part.

  • Microfiber cloth
  • Baking soda
  • Salt
  • Magic erasers
  • Rubber gloves
  • Planner stickers
  • Home decor
  • Seasonal decor
  • First aid kit
  • Toys
  • Snacks
  • Office supplies

The average amount of money that I spend at the Dollar tree is about $12 and I can get everything that I need for the week.

The best way to buy anything is in bulk and it saves you some money. I’m going, to be honest, and say that some of my family members will be getting the same gift this year and they won’t know it’s from the Dollar Tree.

I hope this list has helped you. Make sure to check out my Pinterest for more ideas.

Kanani XX

This post may contain affiliate links.

The post Supercharge your dollar tree trips appeared first on Just Creative Dreams.

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Passive income has changed over the years, but the information has stayed the same. Welcome to Just Creative Dreams. I want to inspire you with new ideas on how to make extra money for your family and how to live your best life.
Passive income has changed, but the information that we are receiving is very repetitive. If you have read one blog then you’ve read them all. I’m here to tell you that if you want to earn some extra money for your family then you have to research ways that you can make extra money. It’s not about passion, it’s about what you’re good at. And it’s best to always keep the mindset that you need multiple sources of income. You have to learn to balance your family life and how you make money.

I learned that I’m good at multiple things but I thought I could only do one thing at a time. Not true. I have a part-time job working 9-12 hours a week making $12 an hour. I sell things locally and online. My family is in financial ruins because I wasn’t pulling my weight. Now my extra money is what keeps us afloat and soon enough we will have more than enough to maintain with a solid budget and extra money flowing.

Extra Income

Remember that your life if your life and you know what’s best for you not me or anyone else can tell you this. Here are a couple of ideas to help you get you started. You can sell on mercari, eBay, poshmark, Facebook marketplace, Fiverr, sell your crafts online or in person to family and friends, cleaning commercial properties part-time, blogging, real estate assistant, graphic designer, Starbucks part-time, part-time retail, nanny, and so much more. 

Homework

Homework: write down a list of jobs in the area that will be flexible with your hours and write down things that you’re good at that you can make some extra money from. Go over your list check off some jobs or add some things that you know will be a good fit for you. Go create your better life!

Kanani XX

The post Stay inspired: the real-life facts about passive income appeared first on Just Creative Dreams.

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Balancing your finances is a hard step to do, but it has to be done. First, you want to start by figuring out your income. Don’t add in unreliable income until it clears through your bank account. For instance, I get support for my son, but I don’t receive it on a regular basis so I don’t count it in until I receive it. Next, you want to add up all your expenses and don’t leave anything out. Then you want to create a reasonable budget and also be sure to write down what you’re spending a day, so you can see where the money is going. Make a chart like this one below. It doesn’t have to be fancy.

Income $3615Mid-ActualEnd-Actual
Mortgage $823
$833.60
Car payment 1 $626
Car payment 2 $397
Insurance $367
Groceries $100$58.17
Gas $280$15
Utilities $250
Entertainment $50$14.99
Cell Phone $202

$292
Cable $220$207.70
Real estate fee $50
Bed $100
Hubby Loans $30
Borrowed $
Credit cards $100$35.00
 

 

Mid-actual is waiting till the middle of the month to add up how much you’ve spent. End-actual is how much you actually spent for the entire month of your budget. The first month will be hard, but it will get better. This helps to show you where all your money is going.

I hope this helps you to get started. Please be sure to check out my Pinterest for more ideas.

 

The post Balancing Finances is a Hard Step to do appeared first on Just Creative Dreams.

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