Category Archives: budget

DIY Fun Halloween Costumes

We know everyone is on a budget these days and the last thing you want to do is spend money on a costume that your kids are only going to wear once. So we have found a couple of solutions for you!

Add Some Color!

Our first idea is perfect for multiples going to a party or trick or treating together. They could all dress up as crayons! This costume is inexpensive and easy to do!

To start with all you need are solid long sleeve shirts or sweatshirts and matching colored pants. In the how-to instructions it says to use adhesive-backed felt but you could use regular felt and use either iron on hem tape or fabric glue if adhesive-backed felt is too expensive. A few more things you need are scissors, a ruler, and party hats for the tip of the crayon. Here is the link on how to make these fun yet easy costumes: Colorful Crayon Costume

It’s a bird! It’s a plane! It’s.. SUPER BABY!!! 

All you need is a layette or a baby bodysuit, some felt, a small piece of fabric and some Velcro™. You can make this one faster than a speeding train! Here is the link on how to make this adorable flying baby! Super Baby Costume

If you have any other ideas or if you choose to make one of these costumes, please share with us on our Facebook page! We look forward to seeing what you came up with!

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Filed under activity, Babies, budget, children, craft, crafts, Crafts/Projects, Fall, Halloween, holiday, How To, last minute, Uncategorized

Little Girls DIY Summer Style Must-Haves

Today it’s all about your little girl! It’s not too late to look good at the pool or the beach this summer. We have found a couple of websites that show you how to make your own swimsuit cover-ups for your little girl! You could make one to match every swimsuit she owns!

Here is a cover up that you could make for a boy or girl of any age, using old bath towels! The materials you will need for your new Hooded Towel Cover-Up are :

1- hand towel
1- large bath towel
1- strip of fabric ( 4″ X 25″)
ric- rac trim ( 2 pieces – 25″ long)
thread
scissors
iron

Check out the link to learn how to make these awesome cover ups! http://thecottagehome.blogspot.com/2010/10/embellished-hooded-towel-tutorial.html

We also found one that would great for your little girl! Its the perfect dress cover up. The materials you need are:

  • 2 different towel fabrics from your local fabric store OR you can use an old beach towel
  • large piece of Velcro

This step-by-step tutorial tells you how to make this cute little dress cover-up!

 

Love the maxi dresses that you are seeing everywhere, but they just cost too much? Well we have a solution for you! You can make one yourself by using an old T-shirt or using a new one that you can get from Rock Bottom T-Shirts  and some fun colorful fabric from your local fabric store. This is a super cute dress for the first week of school!

What do you think?  Will you be trying any of these adorable outfits? If you do, post pictures of your crafts on our Facebook page. If you have any tips or other projects that you’d like to share with us, please let us know by commenting below.

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Filed under 2012 Fashion, budget, Clothes, craft, crafts, Crafts/Projects, Frugal, project, save, sew, Summer, t-shirt craft

How Simplifying Your Budget Can Help You Save Money

Simplifying Your Budget

Simplify Your Budget!

When looking for ways to save money, many consumers immediately start wondering which bills can be eliminated.  While these are important considerations, if you’re looking to save money, simplifying your budget can offer an even better look at how to save money.

Likewise, we are often taught to save money by creating highly detailed budgets. However, instead of detailed budgets that track down every expense in your life, a simplified budget could provide an even better solution.  Here’s how.

Simplifying Your Budget – The Concept

Simplifying Your Budget - The Big Picture

Simplifying Your Budget – The Big Picture

For starters, it’s important to understand the concept behind simplifying your budget.  Essentially, simplifying your budget boils down to consolidating all similar expenses.  So instead of an individual entry for each credit card bill, how about combining them all into a single ‘credit cards’ category.

You can do the same for utilities – just list them together instead of separating each of them.  This gives you a better idea of where all your money is going.  Four or five credit card payments for twenty bucks a month may look small, but combining them will show you they’re more than you think and give you a better idea of what to cut.

Next Step to Simplifying Your Budget

Now that you’ve taken the time to simplify your budget let’s look at where you’re spending the most money.  You can identify these areas by using the “grouping” technique that we mentioned above.  After identifying them you can ‘zoom in’ for a more detailed line item by line item examination.

Time to Make a Decision 

Isolate, Decide and Trim

Isolate, Decide and Trim

Now the only thing left to do is to decide what you want you want to do with the items eating up your savings.  Can you cancel a credit card or two?  What’s the biggest bill in your utilities category, and is it possible for you to reduce it or even eliminate it?

Starting with the simpler view lets you see where you’re really losing money so  you can more closely review only the items that need your attention.

Choosing to simplify your budget is only the beginning.  Saving money isn’t always easy, but having an idea where your money goes certainly helps.  Also, be prepared because it might take an hour or two to really crunch all the numbers, but just remember that it’s time well spent.

You can also use one of the free online budget websites to help you plan out all of your options and figure out what’s working.

Do you prefer a more detailed budget or a simplified budget?  Let us know by commenting below.

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Filed under budget, Saving Money Now Series, savings

Four Types of Free Budgeting Tools That Can Save You Money

Four Free Budgeting Tools

Four Free Budgeting Tools

When you’re saving money there are plenty of obstacles that can stand in your way.  Frugal fatigue, sudden emergency expenses and day to day costs are all hurdles you’ll have to clear when you’re trying to pinch pennies.

Saving cash isn’t easy, but as you’ll see in this post – thanks to four free budgeting tools saving has become much easier than in years past. Continue reading

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Filed under budget, Frugal, Saving Money Now Series, savings, tips

Frugal Versus Cheap – What’s the Difference?

Frugal - vs- Cheap - What's the Difference?

Frugal - vs- Cheap - What's the Difference?

Have you ever noticed how we, as consumers, often interchange the words frugal and cheap for one another? While the line between being cheap versus being frugal can be thin, the thought occurred to us that there’s a world of difference between these two savings strategies. Continue reading as we highlight what makes them so different. Continue reading

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Filed under budget, Frugal, Saving Money Now Series, savings

Can Saving Pocket Change Really Change Your Finances?

Can Pocket Change Help?

Can Pocket Change Help?

It’s amazing how many ways there are to save money.  It seems like every day we’re learning a new way to save.  And as Your Life for Less pointed out in one of their blog posts today, saving money isn’t a one-size fits all approach.

It helps if you can find a savings method that works for your particular situation.  If you find yourself carrying around change in your pocket, please stick around because we’ll be showing you how to turn this spare change into serious savings throughout the rest of this post. Continue reading

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Filed under budget, save, Saving Money Now Series, savings, Uncategorized

How to Live Like a Mega Millions Winner – When You’re on a Budget

How to Like a Millionaire When You're on a Budget

How to Live Like a Millionaire When You're on a Budget

Believe it or not, living like a mega millions winner when you’re on a limited budget is probably a lot easier than you might think.

Living well, while spending less, is really about cutting the costs on your everyday spending so that you can have the luxury of choosing how to spend or invest your savings. Continue reading

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Filed under budget, Frugal, savings