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There are many people out there in big spender-saver relationships.  One person in a relationship usually spends more money than the other on ‘unnecessary’ stuff.

Those cute kids clothes & shoes online,  the gorgeous purse on “sale”. Those nice pants, lovely top, nice pair of shoes, warm bed sheets, cute summer dress, it never stops. (I am guilty here) 

It becomes a major challenge when your spouse is a compulsive big spender, makes large sum purchases behind your back, gambling away family savings, has secret maxed out credit cards of hundreds of dollars or unpaid personal loans. 

Many people in big spender-saver relationships are embarrassed to acknowledge their bad financial habits to them selves, let alone to their significant other.  

Many people in big spender-saver relationships reveal their overspending spouses are really good people who have bad spending habits. The “saver” spouse is willing to salvage their relationships/marriages.

To be honest though, your big spender spouse is responsible for their actions/decisions. Unless they want to change their ways, there is nothing much you can do.  

Be the supportive partner, not their parent. Living with a spendthrift spouse can cause serious mental and physical health issues. 

In this post,  аrе steps уоu саn take to deal with an оvеrѕреndіng ѕроuѕе to improve your mental health, marriage, become a good role model to your children and fіnаnсе lіvіng ѕіtuаtіоn.

Motivating yоur ѕроuѕe to change their spending hаbіtѕ mау ѕееm like jumping a hugе hurdle, ѕо іt іѕ bеѕt tо tаkе thе рrосеѕѕ in bаbу ѕtерѕ.

Although it can be uncomfortable, the benefits of agreeing on finances together as a couple outweigh the disadvantages.

This post has affiliate links. See our disclosure at the bottom of the page.

Financial Peace University was designed by Dave Ramsey from the best seller book with the Financial Peace

It is an amazing process to go through as a couple.

It is conducted in classes at local communities and churches.  It is available in a DVD kit for those that are not able to attend classes.

Learn more about setting financial goals as a couple, budgeting, saving, credit reports, credit scores and paying off debt as a couple with gazelle intensity.

Couples report more intimacy after taking the Financial Peace classes.

Highlight thе роіnt thаt уоu аrе a tеаm in уоur fіnаnсіаl efforts. Othеrwіѕе, уоur ѕроuѕе may spend money behind your back.  

Promising review:  My husband and I pondered purchasing the FPU home study for quite a few months before deciding to make the purchase. As a family of 6 and a one income family, it was essential for us to have a plan and have the motivation to stick to it. I first learned about Dave through budget research and purchased Total Money Makeover. 

That was an eye opener itself but we needed more. My husband had just graduated from a four year university and I am set to graduate with an associates in just a few short weeks. We have been able to pay off all our credit card debt, we don’t have medical bills or any other debt besides a car loan and the dreaded student loans. By following this FPU dvd plans and lessons, we are set to be completely debt free in about 4 years. We couldn’t be more excited!Tasha .B.

Promising review: My wife and I are less than one month into applying Dave Ramsey’s program, but it has already greatly changed for the better our attitude toward money, debt, and wealth. We enthusiastically look forward to pursuing our new goals. Very highly recommended.John Francis Robin


A number of couples swear by this tip.  Each spouse has their own bank account, in their names, the other spouse has no access to it. 

Bills are either split in half.  Do not lend your spendthrift money when he runs out.   

The separate accounts usually create stability for the money savvy spouse, “wake up” the big spender spouse. When the other spouse can not meet their financial obligations, it will be clear to them where they stand. 

 

Sometimes no matter how lovingly you speak, the big spender spouse will not heed.   

You have showed your spouse the negative savings, maxed out credit card statements, unpaid personal loans, nothing seems to help. 

Then it’s time to seek counseling from a certified financial counselor, or CPA.

Financial planning advice might cost money, but both of you will save in the long run.

Many relationship experts believe that some financial issues in a relationship/marriage are usually caused by more deeper issues within the marriage. 

Your spendthrift spouse’s response or lack of there of, might be to due bigger underlying issues within the relationship/marriage.

 

Include fun money in your weekly/monthly budget for each of you.  It is so nice to “splurge” on something you like without going over the budget. 

Fun money for each of you to spend on what you want without guilt, judgement; no questions asked. 

Depending on your financial status, some people budget $35 to anywhere around $200 or more.

This money maybe used for among other things; movie tickets, trampoline park activities with the your children, haircuts, mani-pedi, spa treatments, Starbucks for your favorite beverage or clothes etc. 

The spouse that does not use their money a particular month, can roll it over to the next month, saving more fun money in the long run.  Again, it is their money, they choose what to do with it. 

 

Highlight thе роіnt thаt уоu аrе a tеаm in уоur fіnаnсіаl efforts. Othеrwіѕе, уоur ѕроuѕе may spend money behind your back.  

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It seems like yesterday when you could come up with  cost effective easy peasy dinner ideas for your family, not to mention cheaper, when the children were younger. 

Now that they’re fast growing, they’re starting to eat you out of house and home. 

For many families, the struggle is very real when it comes to putting nutritious and delicious dinners on the table that everyone actually wants to eat.

You thought about ordering those popular meal prep kits, but many of those offer prices per portion of $5 minimum, making every family meal for 4 at $20 minimum-spend. 

That extra $5 puts you over budget, and when you’re trying to pay off a mortgage, or desperately need to buy a new car before your current one breaks down on the side of the interstate, or save for college for the kids, quickly really add up.

The easy peasy dinner ideas below are delicious and nutritious, cost $15 per family of 4. 

Put your mind at ease with these cheap easy weeknight meals,  save up for the other things you need rather than blowing your entire budget on feeding the family.

Ready to eat more than make-your-own-tacos and spaghetti with red sauce to feed your family? Pull up a chair, put your napkin in your lap, and let’s begin!

Making this meal is easy in your skillet for a fast meal your family will love.

Protips:

You can substitute in chicken breast, but that will cost more. You can keep costs down for meats by buying them at Aldi or Walmart

We recommend using chicken thighs as they do add more flavor.  Another way to save more on this recipe is to use shredded mozzarella instead of fresh mozzarella cheese.

  • 1 cup balsamic vinegar
  • 6 boneless, skinless, chicken thighs
  • 2 tbsp. unsalted butter
  • 8 oz. fresh mozzarella cheese
  • 2 medium tomatoes, sliced
  • fresh basil, thinly sliced into strips
  • salt and fresh black pepper, to taste

Directions:

  • Simmer the balsamic vinegar over medium-low and continue to do so, lowering the heat if necessary and covering it partially for 20 minutes or until it reduces to a thick glaze. When it reaches that consistency, take it off the heat. 
  • Meanwhile, season your chicken on both sides with salt and pepper. 
  • Melt butter in a large cast iron or stainless steel pan over medium-high heat. Add chicken and cook for 4 minutes per side or until almost cooked through. 
  • Top each piece of chicken with the cheese and cover with a lid. Cook until the cheese has melted slightly, about 2 minutes. 
  • Take from heat and add a slice of fresh tomato on top of each piece, then sprinkle with fresh slices of basil. 
  • Drizzle on the balsamic glaze and serve.
 

This article contains affiliate links. See our disclosure at the bottom of the page.

This hearty, comforting meal will be a family favorite. The spinach hides isn’t obvious, making it easy to sneak by the kids.

You don’t have to use ziti, any pasta shape is great. Aldi has a fantastic selection of organic pastas within budget too.  

A great way to maximize your meat budget on this recipe is to go to your local wholesale club like Sam’s, BJ’s, or Costco where you can buy it in bulk.

Sausage freezes well, is used to make more soups and stews throughout winter. 

Use the spicy variety of sausage, if your children can handle it. Otherwise go for the mild or sweet versions.

Ingredients:

  • 12 ounces ziti
  • 1 lb. ground Italian sausage
  • 4 cloves garlic, minced
  • 3 large handfuls roughly-chopped spinach, stems removed
  • 2 cups shredded mozzarella cheese

Directions:

  • Get your oven preheated to 375F.
  • Heat a pot full of water for your pasta and cook according to directions on box for al dente, then drain.
  • In a large skillet, cook the sausage over medium high heat for around 10 minutes or until browned.
  • Add minced garlic and continue to saute for 2 more minutes.
  • When sausage and pasta are ready, combine them into the pot you used for boiling the pasta along with the spinach.
  • Toss it all together until the spinach wilts slightly. 
  • Pour part of this into a greased baking dish and then cover with 1 cup of cheese.
  • Then add the remainder of the pasta mixture followed by another layer of cheese.
  • Bake for 20 to 25 minutes or until the cheese has melted and is slightly golden.  

Who could say no to bacon? This kid-friendly dish, is easy to make, takes just 20 minutes to get it on your table.

Pro tips:

Make it healthier with organic wheat pasta, available at Aldi for cheap. 

Buying bacon in bulk at your warehouse stores like Sam’s, BJ’s, or Costco can help you save even more. 

Like sausage, bacon freezes well so you don’t need to feel compelled to eat all of it at once.

Ingredients

  • 8 ounces spaghetti
  • 2 large eggs
  • 1/2 cup freshly-grated parmesan cheese
  • 5 slices bacon, diced
  • 6 cloves garlic, minced
  • 2 tablespoons fresh parsley leaves, chopped
  • Salt and pepper, to taste

Directions:

  • Cook spaghetti according to box for al dente, making sure to reserve a half-cup of the pasta water. 
  • Drain the spaghetti well. Whisk the eggs and parmesan together and set to the side. 
  • In a large skillet, cook bacon until brown and crispy and reserve the excess fat. 
  • Add in the garlic and stir for about one minute, then reduce the heat down to low. 
  • Now, you’ll need to act fast by stirring in the pasta and egg mixture, tossing to combine. The pasta should be hot enough to cook the eggs through. Do not put it over the heat or you’ll risk scrambling the eggs. 
  • Add the reserved pasta water in small increments until you get the consistency you want. 
  • Garnish with parsley and add salt and pepper to your liking.  

Does your family like pizza, but your budget says “no” to pizza..

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Are you tired of sitting at home and wasting your skills and degree? Wondering what to do what your child is at school?  There are many school hour jobs for stay at home moms. 

Whether you want to start your own business or work from home for a company, there are numerous online jobs.

Many people love the idea of working from home. Though there are many pros and cons of earning money from home, many people are afraid of working from home because of some misconceptions out there. 

According to US Bureau of Labor, there are 21% of people working from home on daily basis. There is no doubt that this percentage includes mostly moms who are taking care of their children while working.

With ever increasing cost of living, many stay at home moms would like to find something to do during school hours to contribute their families’ income. 

It can be quite difficult for moms to search for suitable jobs.

Don’t worry, we are here to help you. In this post, we have listed the top part time jobs for moms.

 

Please note that this article may contain affiliate links. See our full disclosure at the bottom of this page.

Love writing, do you consider yourself a talented writer, then you can be a freelance writer. 

You can earn extra money by writing quality content. There are numerous magazines, websites, and blogs that are looking for qualified and skilled writers. 

When it comes to choosing topics, there are limitless topics that you can write about. A great thing about this job is the flexibility, you can write whenever you have the time. 

Hence, being a freelance writer is perfect home mom jobs as you will be able to use your creativity.
The best sites for freelance writers are Contena, Wizzley, and FreelanceWritingJobs.

Virtual Assistant is one of the jobs that work around schedule. 

Tasks to perform depend on the company,  or individual hiring you. 

These can include include organizing records, scheduling appointments, social media management, graphic designing, editing, data entry, and email management.

For Virtual Assistant jobs  contact online companies, websites, and bloggers directly. 

Some of the companies that can help you get a job as a Virtual Assistant include Red Butler, Fancy Hands, and Assistant Match.

Vipkid is a company based in China that is currently hiring like because they are about to expand to other countries.

Working for VipKid is a job that fits around school hours. 

You teach on their online platform where they provide all the curriculum, you basically just show up, make your own schedule.

You do not need to speak Chinese. You can choose to work as many hours as you want.  Pay varies, though it is usually $18-22 per hour. 

On top of that, they have a lot of monthly incentives that can bring up your hourly pay to around $31! You work from the comfort of your home, making it convenient for the stay at home moms.

Many moms are good at teaching kids new ideas and concepts. 

With the help of technology, you can become an online tutor. It will be the right time to bring your education in use. 

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Celebrate Valentines day with your significant other without breaking the bank. Relationship experts say that couples who take time off to appreciate and celebrate each other, stay together.  

Treat your girlfriend, wife, boyfriend and husband to these inexpensive gifts this Valentine’s day. After all it is the thought that counts. 

Handcrafted Pure Solid copper mugs  are low gift items that come with high quality cocktail copper straws and coasters.

 

Customer review: I bought this beautiful set of copper mugs to make Russian Mule’s. Nicely crafted, easy clean and truly the coldest beverages I ever had made in these copper mugs……..Ronnie.

This post has affiliate links. See our full disclosure at the bottom of the page

These conversational cards for couples are cute and full of surprises, thought provoking and great starters for great relationships. After all couples who make time for each stay together.

 

Customer review: The deck of cards has some really interesting questions to go over with your partner. Just when you think you might know everything there is to know about one another, you realize that you can always learn something new…..  Amazon customer

This journal is reasonably priced, romantic gift idea with questions for couples each day over a 3 year period.  There are a variety of questions covering different topics.

 

Promising customer review: With two small children, my husband and I find that spending quality time together can be a challenge right now. This book gives us a small moment to reconnect. There’s a wide variety of questions and plenty of room for both our answers! Leah Porretta

Luxury bath & body home spa set  is a best simple girlfriend/wife surprise gift. It is almond and honey scented, infused with buttery scents perfect for a snowy day/evening.

 

Customer review: A gift for my girlfriend, and she loved it.Abnada

Gourmet coffee sampler is a unique gift for the coffee lovers.  Choose from an assortment of coffees.

Promising customer review: This was a gift for my boyfriend who is a coffee snob. I did not get to try these myself but he really enjoyed every single one. He said each one had a great flavor and seemed to give him more energy than his regular dark roast. He was pleased with the freshness as well. I’m sure he’ll be asking for more!Icsav104

Picnic Back Pack  is an affordable romantic gift for fun, outdoor loving couples. Comes with cooler compartment, wine bag, cutlery for up to 4 people and a picnic blanket.

Promising customer review: Perfect gift for lovers! Haywards Hunny.

Waterproof dry bag  a budget friendly gift for the outdoor enthusiast guy or girl. It is suitable for fishing, hiking, kayaking and camping.  Comes with a waterproof phone case.

Customer review:We used this dry bag on a trip to French Polynesia. Brought it everywhere-on a boat (standing on outside observation deck in tropical rain), a jet ski tour, a shark excursion, and lunch IN the water. Our stuff stayed totally dry. It’s a good looking bag, people asked where we got it. 10LB green bag, perfect size. Used waterproof phone case too, did not submerge it, no issues. Highly recommend.Jamie

Bamboo Wine Table – a unique romantic gift for the outdoorsy couple. It is sturdy, comes with cutlery cheese set.

 

Customer review: The wood is very sturdy as the whole construction. It comes with full accessories and it is light and portable. I couldn’t be happier with it! German .P

Portable Flame torch  Speaker    –  a thoughtful gift for people who like to sit outside. It has Bluetooth, is compatible with Iphone/Ipad/Android. 

Promising customer review: This speaker is GORGEOUS! The artificial flame looks so REAL! The sound is AMAZING! It charges FAST! It connects to your device QUICKLY! What more can I say? I know…BUY THIS!!! I certainly plan to purchase another one!Shirl

Gratitude Journal to document to record thoughts of gratitude only a few minutes a day. A perfect romantic gift for your girlfriend or wife.

 

Customer review: No questions asked buy this journal! It is beautiful and it is the absolute best way to end your day. This journal has prompts to help you think of what you are grateful for so even if you’ve had a long day or there’s nothing you’re particularly grateful for, you can and will end your day with a sense of gratefulness. MUST buy!………  Amazon customer

Leather bound journal is a perfect  romantic inexpensive gift to surprise your significant other. It is great quality, with good look and feel, comes in four different sizes.

Happy customer review: This is seriously THE most beautiful notebook I have ever seen in my life. The leather is undoubtedly real and is so soft to the touch. It has a subtle earthy, leather scent that sets the mood for your journaling or writing time! The wrap around closure string on this notebook gives off really retro vibes. Just looking at the notebook makes me want to write! The pictures don’t do it enough justice. AdoraMeow

A-Z Initial necklace is a low cost gift idea with sentimental value for her. It comes in gold and silver colors.

Customer review:I wear this everyday!!! Swimming, showering, etc. I haven’t taken it off since I bought it. I bought my boyfriends initial and he thought it was the cutest thing ever. His mom thought it was cute too. I’ve worn it everyday from Jun-Nov now and it hasn’t changed or tarnished at all. Jordan B

Cashmere Scarf Shawls for Women and Men is an affordable, luxurious gift for him or her. It comes in over 20 colors.

Satisfied customer review:  Soft and beautiful. Great size too. Well received gift. Would recommend. Ordered it in 3 colors and all were true to image colors onscreen. Cora

Best Wife Ever Stemless wine glass is a personalized memorable..

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Winter is here, there is nothing more tasteful than a bowl of your favorite soup on a cold night.  These budget soup meals are quick, easily incorporated in weekly meal plans budget,  anyone that can read is capable of making a delicious dish of soup.  

These budget quick soup meals are delicious, healthier, easy to make and use everyday ingredients, your family will love and enjoy them.

Ingredients

  • 1 tbsp butter
  • 1 tbsp unbleached or all purpose flour
  • 1 medium head cauliflower- chopped
  • 1/2 cup chopped onions
  • 4 cups fat free chicken broth or vegetable broth
  • salt and pepper to taste

Preparation

In a medium saucepan, melt the butter on low heat.

Add the flour and stir about 2 minutes.

Add the chicken broth, onions and cauliflower and set heat to medium. 

Bring to a boil, then cover and simmer over medium-low heat until vegetables are tender (about 20 minutes.)

Puree with an immersion blender until smooth. Season with salt and pepper.

Ingredients

  • 2 leeks, chopped
  • 4 tablespoons unsalted butter
  • kosher salt
  • black pepper
  • 6 cups low-sodium vegetable broth
  • 1 bunch broccoli, chopped
  • 1 small russet potato, peeled and chopped
  • 5 ounces spinach sour cream

Preparation

Cook the leeks in the butter with ¾ teaspoon salt and ¼ teaspoon pepper in a large pot over medium-high heat, stirring occasionally, until softened, 4 to 6 minutes. 

Add the vegetable broth, broccoli, and potato.

Simmer until tender, 18 to 22 minutes.

 

Stir in the spinach until wilted.

Transfer the mixture to a blender and puree until smooth.

Top with the sour cream and black pepper to taste before serving.

 

  • 1 tablespoon extra-virgin olive oil
  • 2 cups frozen bell pepper and onion mix, thawed and diced
  • 2 cloves garlic, minced
  • 1/4 teaspoon crushed red pepper, or to taste (optional)
  • 1 28-ounce can crushed tomatoes, preferably fire-roasted
  • 1 15-ounce can vegetable broth or reduced-sodium chicken broth
  • 1 1/2 cups hot water
  • 1 teaspoon dried basil or marjoram
  • 1 6- to 9-ounce package fresh or frozen whole grain cheese ravioli
  • 2 cups diced zucchini, (about 2 medium)
  • Freshly ground pepper to taste

 

Preparation

Heat oil in a large saucepan or Dutch oven over medium heat.

Add pepper-onion mix, garlic and crushed red pepper (if using) and cook, stirring, for 1 minute. Add tomatoes, broth, water and basil (or marjoram); bring to a rolling boil over high heat.

Add ravioli and cook for 3 minutes less than the package directions.

Add zucchini; return to a boil.

Cook until the zucchini is crisp-tender, about 3 minutes.

Season with pepper.

 

Ingredients

6 large sweet potatoes, peeled and chopped in similarly sized pieces

1 large onion, roughly chopped

3 ribs of celery, roughly chopped

2 teaspoons poultry seasoning

1 quart chicken or vegetable stock

1 quart water, or enough additional water to just cover vegetables

2 cups milk or cream

Preparation

Add all chopped vegetables, poultry seasoning, and stock to a large soup pot.

Add just enough water until all vegetables are just covered.

Add a little more water to cover the vegetables. 

Boil until vegetables are very tender. Use an immersion blender to puree the soup or put the vegetables and stock in a standing blender and puree in batches.

Add milk or cream and heat through.

What you will need:

3 cups vegetable broth

3 medium sized zucchini, cut into 1-inch pieces

1 tablespoon chopped fresh or dried tarragon or dill

3/4 cup shredded reduced-fat Cheddar cheese

1/4 teaspoon salt

1/4 teaspoon freshly ground pepper.

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You are probably tired of living in debt, wondering how and when you are going to start paying off debt, to be able to achieve financial freedom, live carefree when it comes to money and travel places. 

Dave Ramsey the author of the best seller Total Money Makeover has been educating many on paying off debt for a long time, providing many with this financial independence. 

Turns out winning the lottery isn’t the only way to live a great financial life. 

Ok, back to financial freedom, becoming debt free is a sure way to financial independence, it is totally doable with a little discipline, patience & gazelle intensity.

There are many success stories of Dave Ramsey’s snowball plan from individuals as well as families.  

In this article we will cover the first 3 steps to your debt free journey; establishing an emergency fund and how start paying off debt. 

Before you start paying off debt, you need emergency  savings set aside to act as a safety net when life throws at you that wasn’t expected.  

Car breaks down, loss of income, emergency hospital visit with subsequent high medical bill, or your water heater breaks down.

You get the idea, basically anything that is unplanned.  

Without an emergency fund, the alternative will be credit card debt or loans to pay for these unforeseen expenses.  

Then life continues to be a vicious circle accumulating more and more debt as emergencies arrive at our doorstep. 

Now that we know what an emergency fund is and why we need one, the tough work begins of creating one.  

If you don’t have any money set aside presently, it is suggested to begin with $1,000 for an emergency fund.

This will be expanded later ideally to be 3, 6-8 months worth of expenses. 

It is recommended to keep your emergency funds in a  checking account (separate of your current checking), or a Money Market Savings account.  

Either of these accounts would allow for check writing, which is important to have for any emergency that arises.

Let’s explore some ways to get this $ 1,000 set aside.

 The first tip is to sell unused items around the house.  

That’s right, most people have stuff  worth more $ 1,000 worth lying around the house that they no longer use. 

 Start a list (spreadsheet), and list items along with the estimated resale value of each item.  It is a good idea to go room by room in order to prevent overload.

Start in bedrooms and go one by one, then move on to living room, then into the kitchen, and keep on going until all the rooms in your home are done.  

The spreadsheet will motivate you so that you can continue to see the running total of money you could make on all these items!

If you aren’t sure the value of the products, you look them up on your phone in places such as; Craigslist, let go, and similar buy/sell apps.  

This can give you a good idea of demand for your products, and value of the products. 

The above mentioned apps are where you can list your products for sale, along with online marketplaces such as Ebay.

The second tip is to lower some of your typical expenses such as; monthly car payments, electricity, phone, internet, TV, money spent on groceries and rent/mortgage.

Lower the interest being paid on  your car, or if that won’t save much, or isn’t an option due to credit, simply trade in your car for a lower priced car.

Perhaps paying $400 per month for a very nice car isn’t a true necessity, and you are able to lower that to $200 per month.  

The $200 savings can be applied to build that $1,000 emergency fund.

Install in a programmable thermostat. Depending on where you live, you can even out the temperature in your home, to save money. 

Adjust your water heater in the warmer months. 

Line dry your clothes during warmer months instead of using the dryer.

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For most of us, holiday season means looking for best pumpkin pie recipe, whipped cream, best decorations, and exchanging gifts with our loved ones. These traditions also means extra cash on our already stretched budgets.

 Many people are “lured” into credit card debt and personal loans, with minimum payments,  increasing on their already high loan amount.

Credit card issuers and banks compete for customers; they offer generous balance transfer card and other other incentives. Customers rake up debt to finance their holiday spending.

When the borrower does not to pay back the money, on the agreed date, interest accumulates, making it much more expensive.

Holiday season does not have to be associated with debt.  There are more opportunities to earn extra money for Christmas.

This is a perfect time to earn some extra Christmas money, paying off debt quicker, or other financial goals. Use your free time, to make some extra money.  

Many people leave their hometown for long weekend getaways, business/work. They would like pet sitters to look after their pets. Sites like Rover advertise in-home pet sitting jobs.

Depending on where you live, pet sitters earn up to $20 per hour. Make extra Christmas money while having fun with furry friends. 

Amazon is hiring full-time and part-time seasonal workers to assist customers with their orders for the Christmas season. Amazon is setting up a center in Central Florida are looking to fill 1500 job positions.

 

Earn extra Christmas money as a Virtual Assistant. 

Many companies, bloggers, soloprenuers and other individuals hire virtual assistants to ease their work load as holiday season approaches. 

Assignments range from managing Pinterest and other social media accounts for clients, book keeping for small businesses.

Writing articles for bloggers, making and editing videos/images for bloggers. 

Payment ranges anywhere from $20/hr to $100/hr and the beauty of it all, you work from the comfort of your own home. You take up as many clients as you can manage.

Ask friends, family, pass the word around in different Facebook groups/Facebook MarketPlace, Craigslist or hang brochures at the mall/supermarket notice board.

Gift wrapping is a great way to make some extra Christmas money while helping others make their gifts look amazing. If you are good at wrapping presents, use your gift wrapping skills.

Advertise your services on Craigslist, in Facebook groups, Facebook MarketPlace, or through word of mouth. Check out Snagajob for available vacancies in your area.

Talk to the person responsible about setting up a table in a shopping center or mall.

Mystery shopping is done in many businesses like retail stores, banks, restaurants, hotels and bars.

A mystery shopper reports on the quality of service, customer care as well as how the business is run.  

There are many mystery shopping during the Christmas season. 

Retailers want to make sure their employees are offering top-notch customer service to their customers.

To avoid scams, sign up with an umbrella organization of reputable mystery shopping companies. 

I recommend Mystery Shoppers Association ( no affiliation) Using this website ensures that you connect with legitimate companies. 

Go to “service provider search, down below you will see a drop down menu of the different categories.

Delivering parcels, & food are good extra cash side jobs during holiday season  Depending on the company, there are mail or parcel delivery jobs.

UPS and FedEx are renowned companies among others that hire seasonal employees to deliver parcels.

Lots of businesses and people need delivery services for food, gift items, parcels and more during the holiday season. 

You can also earn extra money as a delivery driver for Amazonflex, Ubereats, Postmates, Shipt, UPS, Fedex etc.

Companies during this time of the year when delivery service is in high demand. You make your own schedule and are paid by the length of your route.

There are many online flower companies out there that hire seasonal virtual agents to assist their clients with orders during the holiday season. 

These companies usually offer flexibility, so you will work from the comfort of your own home. 

1-800-FLOWERS is a reputable online flower company that hires temporary seasonal virtual agents to work from home during the major holidays of the year.

You may work up to 40 hours per week, depending on your schedule.  At 1-800-FLOWERS, seasonal home-based virtual agents are considered employees, not independent contractors.

1-800-FLOWERS hires seasonal virtual agents through Sutherland Remote Engagement. (https://www.sutherlandglobal.com/)

 A leading provider of work at home jobs. It can be a fun way to make some extra money.

Teleflora hires seasonal virtual agents that work from home around the busy flower-ordering seasons. 

This online flower company pays for training (12- 16 hours) at your state’s minimum wage. After training the online florist pays $8-$11 per hour plus commissions. 

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Holiday season is fast approaching, get into the holiday spirit with these Christmas saving strategies to avoid overspending, holiday debt and higher interest rates.

In 2017 44% of shoppers  in the United States took on more than $1000 in Christmas debt. Some 5% accumulated more than $5000 in debt.  Their credit score suffered from the ghost of Christmas past.

Pressure from Social media, advertisements, friends and family members lures people in to Christmas debt.

Some families forego paying household bills to buy Christmas gifts, some even go the extra mile and postpone their mortgage/rent payments.

Agnes’ family gives and asks for experiences instead of gifts. They too give other families experiences instead of gifts. Experiences include:

  • Museum passes
  • Movie night packages
  • Restaurant gift cards to eat out a family.
  • Donate toys to a children’s ward/hospital
  • Pampering sessions
  • Date nights for mom & dad
  • Fishing trips
  • Camping trips
  • Cooking and pottery classes.
  • Passes to local activity center for kids i.e wall climbing, jumping on trampolines etc.

Mel does not have a separate christmas plan. She uses her monthly budget, lowers it in December to accommodate Christmas shopping.

Elise is vigorously paying off her student loans & credit card debt this year. She trimmed her budget and Christmas list for this year. 

She has already bought a few gifts for her immediate family members during long holiday sales.

Mia uses her money from ibotta cash back. That way she does not need a lot of money to buy gifts. She also shops early enough for deals. 

Sophia already finished her Christmas shopping for this year. Everything is wrapped and stocked away.  I need to be more like her. She points accumulated from Kmart loyalty program.

Megan has a 12 month plan.  Christmas is built into the budget $130/month is for everything Christmas.  She adds extra money to the fund when she can. 

Dinner, decorations, family gifts, and teachers’ gifts are all covered in the sinking fund. It adds up, stress free.

You could buy one person a gift from each paycheck, depending on how big and how often you get your paycheck. Angela swears by this trick, saves a lot of time and stress.   

This year, Elly sold unwanted stuff from her house on Ebay and Facebook Marketplace.  She made a lot of money, which money she is going to cover everything Christmas from gifts, decorations, food and travels.

Skylar uses some of her Christmas bonus from work for her Christmas shopping.  Stay within your preset budget Christmas gift budget though.

Shop for Christmas gifts during clearance sales all year long. Carol swears by this tip. She saves $50 a month in a deposit account for Christmas/birthday gifts.

She takes with her this debit card  when shopping for Christmas/birthday gifts. By the time Christmas rolls around, her shopping is complete.

Dylan did this year’s Christmas shopping when Toys r Us  had 60% off. She saved a lot of money. Look out for closing store sales in your region.

Bea comes from a large family. The whole family gets together every year a few months before christmas,  they draw names. 

Each family member buys one gift worth $30 for one extended family member. Bea shops for her hubby, children, mom, dad and one other family member. 

The whole extended family like the idea. They save a lot of money.

Jovia bought boxes of fresh fruit at the local farmers’ market. She made different flavored jelly to give out all the people on her gift list.  

Home made gifts are thoughtful, they melt the receiver’s heart and most of all save you money.  It says something when someone takes time to make a gift from scratch.

Homemade soaps are also popular Christmas gifts. Simplelifemom has very good tutorial for beginners.

Natural Living has also very good homemade soap recipes anyone can try out at home.

Taking a bath with salts is good for selfcare, it is affordable, exfoliates the skin and can release muscle pain.  

Martha Stewart and Wellness Mama have very popular homemade bath salts recipes you can try out.

Alana knits all year round for the adults on her Christmas list. By beginning of August, she had around 42 knitted scarves & socks.

Secret Santa is a Christmas tradition. Friends or family member draw random names so they become someone’s secret Santa.  One person becomes the other’s secret Santa.

Sarah’s family, practices the secret Santa tradition with a one gift rule. For Sarah’s family, the holidays are about family time, not consuming material stuff.

Register as a secret Santa to organize your secret Santa party for family or friends.

It may be a little late this year, consider the Christmas saving tips below in preparation for next year’s season.

Set up auto deposit from your checking account to savings account. Prossy set up auto depositing to a high yielding savings account from her checking account all year round.

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In the United States food prices  shot up by 5 % during the last year. The highest annual increase in almost 20 years, according to the Labor Department. Some staples have risen well beyond that.

The average family spends over $ 7,000 per year on groceries, electricity, heating, water and cell phones bills.

 Decrease your utility expenses to increase the size of your savings account.  

One way to decrease your household expenses is to trim your grocery list and stick to it. Bulk purchases do not necessarily mean spending less money;

It requires practice, expertise to find the perfect balance between bulk shopping and saving money. Apply for a warehouse club membership like costco.com, Sam’s club and boxed.com.

There is a big difference between stockpiling and hoarding of groceries. Do not be tempted into overbuying.

You might get overwhelmed by the cheaper prices at warehouse clubs, will might end up buying lots of stuff because of all the good deals you missed in the past.

Shopping groceries in bulk saves you a lot of money.  We save around 40% on certain items by buying them in bulk.

In today’s society where everyone is busy, bulk grocery shopping saves you a lot of time as you will not have to go as often.

This article may contain affiliate links; this means that i may make a small profit at no cost to you. You can read my full disclosure at the bottom of the page.

Dry pasta will last for months as long as you store it a dry place.

Canned foods

Keep a well stocked pantry of canned foods you regularly use like tomatoes, tomato paste, tuna, corn etc. 

Aldi’s canned foods at very reasonable prices.

The average baby wears between 3,500 to 4,600 diapers a year.  Buying diapers in bulk is a huge money saver. 

Amazon, Boxed, and Costco are  some of stores that have good prices on diapers in bulk. I know of some moms who stocked up on a year’s  diapers.

Stock up on different brands, in case your baby/child breaks out from one brand, switch to another brand.

Stretch your diaper budget, switch to cloth diapers. Quality cloth diapers will last you through more than one child. 

Beef takes a chunk of from the food budget, stock up on it every time you see it on sale.

You can never go wrong on stocking up on meat.  Divide in to meal portions according to the size of your family, then freeze.

There are very good deals napkins, paper towels, kitchen towels etc in different stores out there. However they will take up a lot of space. I would rather stack them under the bed, in order to save a buck.

Laundry detergent has a longer shelf life, you save lots of money by stocking up.

With modern manufacturing technology, all you need is a little amount to wash. A few containers will last you a long time.  

Buy huge bags of oats, cereals, quinoa, granola, nuts and seeds from Azure, and Bulk Nation.  

Nuts and seeds are expensive, you will definitely save a lot of money;  store them in a cool dry place.

The downside is those huge bags take a lot of space. Store your oats, cereals, quinoa, granola and nuts in big mason jars for everyday use.

I store my chia seeds in a cupboard for use in puddings and smoothies; many people i know freeze them.

Eating out at restaurants can be costly depending on where you go.  Drinks, tips to restaurant staff can be up to 25% of your bill, taxes on meals, all this can quickly add up.

In addition, restaurant food has more calories, artificial ingredients and the portions are usually huge.

Let me break it down for you. Take your food stuffs receipt for say $200 for a family of four for whole week.

 This includes breakfasts, lunches, dinners, snacks etc for the whole family.

 

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