In between overdoing it

Posts tagged ‘Finance’

Help Wanted: Apply with Dad

Help wantedI have to hand it to my husband. When I am all out of creative ideas to motivate our children he pulls one out of no where. Over the past few months I have found it increasingly difficult to get my children to help out and do chores. We have used a chore chart and have had a monetary incentive to help out around the house. It has been working well for quite sometime, several years in fact.

Each week we have given them the option to do up to 5 tasks at $1 per chore. They can do them all, only a few or none. Also there are bonus chores they could do for extra money. This will vary from week to week based on what I have to get done around the house. In the past this has included painting, to gardening, to cleaning to bath tub.

However, recently, my kids seem to lack the motivation to get any chores done with out constant reminders (almost to the level of harassment.) Weeks will go by where they have opted do no chores and earn nothing. I thought maybe is was because they had gotten many of the items they wanted at Christmas but their lack of participation continued through most of January.

Dad’s creative idea

I was out of ideas on how to motivate them and was quote frankly to tired and overwhelmed after Christmas to bagger them onto helping out. Then one morning me and the kids woke up to find “Want Ad’s” for two positions posted on our refrigerator. One was for a “Recycling Manager,” and the second for “Household Security Officer,” The posting listed the duties preformed in the positions and the qualifications necessary to apply. To apply the posting requested applicants submit a resume. It also stated that the weekly pay for the position would be $2 per week.

Image from

I was floored at how creative and detailed the job posting was. My husband really got into it. It certainly got my kids attention because the two of them discussed at length, which job they should apply for. Soon after reading the postings they asked my what a resume was. I showed them typical resumes found online and advised them to the type of information they normally contained.

My daughter decided to apply for the” Household Security Officer.” This position required her to turn the porch and front door light on each night and off each morning. It also required her to check the front and back doors each night before bed to make sure they were locked.

My son opted for the “Recycling Manager” position. This entailed taking the plastic bottles and cardboard recycling to the appropriate bin near our garbage and making sure it was put out for collection each week.

Apply within

The two of them took the applications very seriously and worked together for hours (in almost silence) crafting their resumes. The enthusiasm and eagerness this creative approach brought forth was amazing. Once my husband “reviewed” the applications and choose the best person for the position, they we’re so excited.

Surprisingly, they have been preforming their job duties fairly consistently each week. My daughter has forgotten a few times. However, she got her act together when she was told she may be fired for not fulfilling the job requirements and her little brother could then apply for her position.

I don’t know if it is the sense of ownership, the title or the acting like a grown-up but my husband certainly tapped into something with this idea. It has been a great life lesson for my kids about what is required to get and hold on to a job. Mainly it is about trying your hardest, showing up consistently, and doing what you where I hired to do. Now if only some adults can learn this.


Are you Black Friday is broke?

Black FridayDid you get bitten by the Black Friday bug last weekend? These advertisers know what they are doing, making you feel that you will totally miss out on the best deals ever by not being first on line in front of their big box store at 5:30 in the morning.

So how many of us take the day off work. We crawl out of bed, leave behind a sink full of Thanksgiving dishes to drive over the nearest superstore. Only to fight out way to what we are told is a great deal. If you don’t go then someone else will get all those sweet deals. Right?

Well, maybe not.

Remember it was only a few years ago that Black Friday sales actually started to creep into Thursday evening. It began as a midnight madness type of sale but then inched closer and closer to 4:00 pm. The Black Friday frenzy was overtaking Thanksgiving dinner. Retail employees we’re wolfing down their turkey and stuffing because they had to head out to work on a day that was designated specifically for home and family.

Luckily, after a few years of consumer pushback many stores dropped the early Thursday sales and moved it back to Friday where it belonged. However, that didn’t necessarily stop shopping. They just moved it to cyber space.

According to NBSNews Black Friday Online sales it a new high this year. These followed quickly by Cyber Monday show that more people are buying online for the holiday’s. And why not it’s easy, convenient and might be less expensive. Or is it?

The online ease of time sensitive flash sales are still tapping into a buyers urgency to not miss out on the savings. I know from my own experience that I have said to myself, “I better buy this (insert useless item I don’t really need) because I won’t ever see it for this price again.”

I don’t care what it is at that price I need it!!

The issue then isn’t the price of the item it becomes the fear that you will miss out on these insanely low prices. (which are usually not insanely low at all by comparison.) Advertisers have become so adept at creating a feeling of scarcity we don’t think twice about parting ways with our money for the Memory Form cat bed, (although cats can find comfort on a car tire.) We really need that water resistant shower speaker (can’t sing in the shower without one…oh wait you can.) Can’t forget about the Ukulele Starter Pack (because one day you will sing tiny bubbles in the shower to your cat on their form bed.)

Cyber Monday

Black Friday and its online twin Cyber Monday help you fulfill that Christmas anxiety with the words BUY NOW. But when you look at the credit card bill sticker shock is an understatement. I remember thinking “What did I buy?”

There is something to be said for the physical presence of counting out bills that makes you more aware of what you are spending. Couple a click of a mouse with the new internet urgency and you have the makings for an overspending disaster. That is no way to have a happy holiday.

Black Friday sales can be a force of good if you give yourself limits. Here are 5 ways to use the Black Friday frenzy to your advantage.

  1. Know what you intend to purchase before the sales come out.
  2. Remember most sales are cyclical and these prices will come and go.
  3. Black Friday and Cyber Monday are no longer a single day event but have been extended to weeklong sales with most merchants so do not rush into anything. Take time to consider your purchases.
  4. Just like Santa says make a list of what you intend to buy for whom. More importantly make a budget plan and stick to it.
  5. If you missed Black Friday don’t forget you can still compare prices between stores and prices match at some retailers to pay the least for an item.
  • Most importantly…remember the holiday season is not about your Black Friday 50 inch TV or other electronic item. Matter of fact it is not about things at all. It is about  people. You are giving gifts from the heart to show people you love them. Despite what advertisers tell you it is not about putting yourself into debt impulsively buying to combat the feeling of FOMO. (Fear of Missing Out.)

Save Yourself Time and Money Doing This One Thing

Save yourself time and money by doing this one thing

It’s called Simple Stockpiling

With the fall season descending upon us, the start of school, football and the return to routines, I have been thinking of ways a working mother can save time and stream line life. The return to the busy school schedule, working, and managing a household can really take a toll on time and money.

To free up more of the precious commodity of time and save some dollars for the coming holiday season (It is only 16 more weekends till Christmas!), I have started to stockpile household items I use frequently. Like a squirrel collecting nuts to store for the winter, stockpiling can be a great fall habit that can free up time and money for a working mom.

I know what you are thinking. I don’t mean stockpiling like the show “Hoaders,” or “Extreame Couponing.” But a little prep during the fall can really help cut down on needless trips to the store. With these concepts in mind and a little planning now you can be fully stocked to hold you over for months.

This doesn’t have to be done on a grand scale, just pick up a few extra jars of tomato sauce and pasta and you will always have the makings for a quick dinner. Add a few extra tubes of toothpaste to your shopping cart when they are on sale. This simple stockpiling can give you piece of mind and these small efforts will add up giving your more of what you need most, time an money.

It doesn’t have to be racks and racks of floor to ceiling cereal boxes in your garage. There are a few things you can think about when out shopping that can save you time, energy and money based on some stockpiling principals.

Watch for sales and buy multiples during them

Don’t have to go crazy and buy the whole store out. But if it an item that has a long shelf life and you can get it for a good price. Take advantage!

Only buy what you know you will use

The key to a stockpile that will save you time is to only purchase what you will actually use. This will prevent you from having to run out to the store for an ingredient. It also will save you from having to eat out when your pantry is empty. Have a few staples stocked up will prevent this from happening. In the end you will have to shop less giving you more time to send with family.

If you can only stockpile one thing make it toiletries

Items like toothpaste, shampoo conditioner ect. have a longer shelf life then food items. They also tend to have a higher price point on non sale weeks. It saves you time and energy to know you will always have these items on hand when you need them. No more worrying about running out of TP. (Trust me…we have all been there.)


7 Ways to Save While Planning Your Vacation

7 ways to save on your next vacationSo you went on summer vacation.

Had a fantastic time and made a ton of wonderful memories. You arrive home unpack your suitcase and there it is. Staring at you like a dog waiting for dinner( Which mine are doing as I write this)…The credit card bill. You know you need to open it but really don’t want to face the damage you have done.

In your head you run a quick tally of what you think you might have spent on vacation. That souvenir T-shirt, drinks at dinner, the novelty tote bag…did I really spend that much? It is all adding up in your brain and it comes to more then you expected. While we are away it is so easy to lose track of spending. We tell ourselves “I’m on vacation I can spend fast and free.” We live it up and pretend that there is no bill to come home to. It’s fun and freeing for the moment. Then the moment ends and the bill comes.

I’m not saying this to be Debbie Downer, only that I have done this myself. Have spent more on vacation then I should have and had to dig myself out of debt upon returning home. It puts a damper on your happy memories and makes you wary of relaxing the purse strings on your next trip away.

But life shouldn’t be that way. We should be able to enjoy out vacation without the fear of getting in debt hanging over our head. With a little planning this could be the case and believe me you will enjoy your vacation a whole lot more knowing there is no ballooning credit card bill waiting in your mailbox.

Here are 7 ways to plan out your vacation and save a little money in the process.

  1. Book your vacation as far in advance as possible – This give you ample time to save for the trip. You will be completely aware of the true cost of your vacation and can make adjustments in your household spending to put aside for the cost of your travels.
  2. Be as flexible as possible with your travel dates – This will save you money in airfare, car rental and hotel bookings. You can shop around for the lowest prices based on the date.
  3. Monitor your travel bookings to see if the fare goes down in price -With many travel sites and companies if you see that the price is cheaper, they will allow you to rebook the fare at the lower price. If the price drops in the first 24 hours many airlines will allow you to rebook at a lower price and refund the difference without change fees.
  4. Prepay your vacation – This may seem obvious but it is often overlooked. Even if you pay a small amount per month towards your vacation, that small amount overtime adds up! It can take the sting out of the full vacation bill.
  5. Investigate before buying dining, photo, or beverage packages – For some families this may be a savings. However, in most cases there are many stipulations to these programs that prevent them from really saving you anything. Find out before you go and don’t sign up for these programs on a whim or under pressure.
  6. Look for no/low cost souvenirs – Do you really need another fridge magnet or coffee mug? Look for souvenirs that cost little or no money but will hold all the memory of your vacation, like a coaster from your favorite restaurant or postcard of your most beloved attraction.
  7. Have a Staycation – During 2008 when there was massive job loss, and financial uncertainty, the Staycation became the new vacation. Look around your town, your city or your state even. Are there local spots that want to see but never got a chance? Is there a great attraction within a days drive from your home? Explore the world right outside your front yard. Forgo the hotel stay and save yourself a bundle.

It’s Finally Here!! My new Online Budget EBook!!

I am so excited to finally release my new ebook…Since it is release week, look towards to bottom of this page for a special introductory price. This is only good for this week only.

How to choose an online budgeting tool that will save you $$$$ 

Are you struggling to get your finances in order but don’t know where to begin? Do you want to set up an online budget but don’t really have the time? Are you tired of sorting through spreadsheets and high tech programs just create a simple budget?

I know how you feel. I have been there. All I wanted to do was find some information about online budgeting programs. All I really wanted to know was which one would be the easiest to maintain with the least amount of hassle to set up? Problem was I could not find a simple review and comparison that would tell me what I needed to know.

So I created one.

Through a blog series I embarked on a journey review four of the most popular online budgeting programs. The results of over four months of research are right here in “How to choose an online budgeting tool that will save you money.” My aim in this book was to sort through on-line budgeting programs and see which one offered the most bang for your buck (or for no bucks.)

When I was looking for an online budget to use for my personal finance, I had difficulty determining which one would be the best fit for me. The reviews I found were sparse and lacked the amount of quick consumable detail I was interested in. Truthfully, I didn’t have the time or inclination to stop and start each program. I figured if I was on a hunt for this information then other people might be as well.

You can save yourself the time and effort of having to wade through each of the online budget programs yourself. It is all right here. Avoid the hassle of setting up multiple online profiles only to find that program wasn’t the right fit for you.

I review BudgetSimple, EveryDollar, Budget Tracker and, four of the most popular free, on-line budget programs on the internet.

In the pages of “How to choose an online budgeting tool that will save you money.” you get a detailed, step-by-step walk-thru. There I review each tab and section available for free within these programs. I tell you the positives and negatives of so you can make an informed decision on which would be right for you. I complete the series by revealing which one I choose and why.

The reviews I found we’re sparse and lacked the amount of quick consumable detail I was interested in. Truthfully, I didn’t have the time or inclination to stop and start each program. I figured if I was on a hunt for this information then other people might be as well.

To make things even easier, I created a free checklist available with email sign-up, of what information you might need to gather before setting up an online budgeting account.

With the checklist and ebook  you can get setup with the right online budget for you and be ready to get started on your way towards easy budgeting today.

monySpecial Release Week Price of $2.99

[wpepdd name=”Online budget ebook” price=”2.99″ url=”” align=”center”]

Online Budget Checklist Freebie

free online budget checklist


Use this checklist to make online budgeting easier to setup

on line budgetingI know when I first decided to set-up an online budget, it was a pain to constantly search through my files and documents to find pay stubs and account information.

I would be part of the way through the set-up and have to stop what I was doing, go back to my bill folder to find another piece of account information.

This constant stop and start made it so much more inconvenience to create a budget at all. It would have been so much easier if there was a checklist to guide me. If I could have had everything I needed right there in front of me before I started it would have made the Save money with online budgetwhole process so much easier.

That is why I created this checklist. It will help you before, during and after the process so you can overcome the overwhelm budgeting creation might cause. This checklist is designed to go along with the upcoming release of my new e-book ‘How to choose the Online Budgeting tool that will save you Money,” due out July 23.[ctt title=”I created this helpful list to make online budgeting easier for you. Get yours today! #freebie, #budget” tweet=”I created this helpful list to make online budgeting easier for you. Get yours today! #freebie, #budget” coverup=”d61bR”]

With the checklist and e-book together you can get setup with the right online budget for you and be ready to get started on your way towards easy budgeting.


Sign up for your FREE Online Budgeting Checklist

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Direct Sellers Summer Series: Come Meet Trish Russell

direct seller series

Introducing Trish Russell

I feel fortunate to have gotten to know Trish Russell and to have her as a bi-monthly contributor to In between Moderation.  It has been an amazing journey to see her growth and development from military mom to the smart, fiery, funny business woman who has found her calling on Social Media. She brings her “combat boots of self-discipline,” with a side of compassion and understanding to help woman walk in their purpose, one intentional step at a time.

Trish Russell

1) What is your direct sales business and what type of products do they sell?

I partner with Mary & Martha, a home décor and gift company with inspirational messages and keepsakes. [ctt title=”Women doing life together and inspiring others to ENJOY the gift of fellowship.” tweet=”Women doing life together and inspiring others to ENJOY the gift of fellowship. ” coverup=”7AmZd”]

2) How did you get involved in your business and why?

Over the course of a year I fell in love with the company, product, and women. My first interaction with Mary & Martha was as a third party invitee, very random! Over the next year I watched how my consultant treated her customers, and walked out her faith. I knew if there was a team I wanted to be on it, was hers!

3) What is your favorite product and why?

God Made Just One” book, full of beautiful pictures and truths for children and adults to hear.

4) What would you say to people who think direct sale’s are a scam?

If you haven’t been part of one then you probably don’t realize the amount of work a rep puts into their company. It’s similar to those who don’t think teachers are worth a six figure income or that SAHM’s sit around eating bon-bon’s and watch TV. I listen, respond, and move on if they still believe it after getting to know me.

5) Do you think it is important for a woman to have a side income?

I believe it’s vital for each woman to walk THEIR journey, whether that is a side income, full-time income, power volunteer, raising humans, WHATEVER. Each to their own, but be sure to do YOUR own.

6) What is the biggest struggle you have with your business? How do you overcome it?

People AVOID direct sellers and I overcome it by being myself and knowing my worth. I believe in the company and our products and really enjoy what I do. If someone wants to partner with me at any level, I am stoked to do that! If they don’t want to partner, I get stoked that an opportunity came up to meet someone new!

7) What have you learned about yourself through your business?

I’m a dreamer! I had no idea! I love owning my own business and empowering other women to live their dream!

8) What opportunity would you have not had if not for your business?

So many….I wouldn’t own my biz, meet incredible women, know my strengths, discover new talents, and dream. Dream. DREAM!

9) How does your business align with your values and the person you are?

Our company is also a ministry. We believe each person who joins us has a calling to be here. We open up each meeting, as well as most events, with prayer. By focusing on the opportunity to gather women and hang out, celebrate our unique personalities and gift sets. All of these pieces line up to how I approach life and enjoy spending my time.

10) How can people find you, more information about your products or become part of your company?

You can find me on Facebook or at my website! I have a private (free) Facebook group for women in business, at any level (new, veteran, interested).

FB Group:


FB Biz Page:–480825385422384/

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