Hi moms! I’m Pearl, mom to two wonderful children ages 11 and 5 as well as a wife to a wonderful husband. I am passionate about sharing ideas with other moms as well as encouraging moms in their journey in motherhood. I would like this blog to be a place where moms can support each other through sharing ideas about personal development, managing family finances, becoming better parents last..
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.
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.
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.
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.
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
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.
Who could say no to bacon? This kid-friendly dish, is easy to make, takes just 20 minutes to get it on your table.
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.
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
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.
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.
This post has affiliate links. See our full disclosure at the bottom of the page
Theseconversational cards for couplesare 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 journalis 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
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
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
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
A 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 journalis 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
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.
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.
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.
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.
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.
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.