Benefits of Meal Planning

If you are looking to save money on your groceries, save time wondering what you are going to cook each night, and cut the stress out of producing hearty meals for the family, then meal planning is the way to go.

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Why is Meal Planning so Important?

  • Less waste. If you plan what you are eating throughout the week and write your grocery list accordingly, you are less likely to buy unnecessary items. This is especially important for perishables. You can also plan your meals around items in your pantry, so they are used before their expiry date.
  • Saves money. This point links into the above. Only buying necessary items from your meal plan list will stop you wasting money on junk food and food items you don’t need.
  • Healthier eating. Planning meals and knowing what you are going to cook each night will ensure you eat healthy meals and don’t just reach for the quick, unhealthy options or take out.
  • Less stress. Knowing what you are cooking and when you are cooking it will ease the stress of cooking for yourself and/or family. It’s one less thing to worry about on busy days.
  • Family on the same page. If you meal plan, you can create a menu to stick to the fridge. This will ensure the family knows what you have planned and stop the inevitable ‘what’s for dinner?’ questions. If you have a family who tend to eat different meals at different times, a set meal plan will ensure everyone eats together as a family.

Have I convinced you to meal plan? Yes? Good. Now you can check out my post on effective meal planning, to kick start your process with a bang.

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How Your Frugal Lifestyle Benefits Your Children

Most parents strive to give their children a better life than they had when they were children. Unfortunately, there is a misconception that this means giving your children everything they ever wanted, spending a fortune, and providing them with a privileged lifestyle.

What if I told you that a better life doesn’t mean a more expensive one? A frugal lifestyle not only benefits you and your finances, it also has many benefits for your children as they grow and develop.

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Money Savvy

You are the role model your children will watch as they grow. Your frugality with money will encourage them to be money savvy adults. Living within their means is an important lesson for them to learn as a child.

A This is Money article stated that in 2016 two in five 18-24 years olds were already an average of £3000 in debt on top of their student loans, and 37% had no plan for repaying their debt.

Closer Family Unit

The frugal life requires creativity when it comes to family time. Free, fun activities for the family usually include, hikes, walks, picnics, bike rides, board games, garden days etc. Children appreciate the time you spend not the money. Family activities that encourage talking, interaction, and family memories make for a closer family unit.

Life Skills

Not only will your child gain a life skill in money management as mentioned above. There are many other life skills you can pick up when living a frugal lifestyle: sewing clothes, cooking from scratch, upcycling, growing food are just some of the skills that your child may develop.

Respect and Consideration

A child that is brought up in a household that respects money will have a natural respect and awareness in regards to finances as an adult. They may also respect you as the provider because they understand the value of money, that time equates to money, and money doesn’t grow on trees.

A poll by CreditCards.com found that 2 out of 5 parents asked admitted they had paid off debts for their adult children.

Future Benefits

Is one of your goals to save money for your child’s college/ university fees? This is one of the best gifts you can give your children. If a frugal lifestyle will allow for this, then there is no greater reason than your child’s education, and they will appreciate it greatly when they are not lumbered with student loans.

Contentment

An appreciation in the small things is not only useful when being money savvy, but it is fantastic way of thinking for your child’s mental health. Always wanting and striving for more can be unhealthy. Setting goals and ambitions is important, but only if your child can find contentment and happiness in all they are blessed with.

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Effective Meal Planning

If you are meal planning, then you are already winning! Saving your money, time, and sanity just by planning your meals is a no brainer, but can you meal plan more effectively? I have a few tried and tested tips for ensuring your meal planning is top notch.


Check Your Pantry

Before you meal plan, check your pantry, fridge, and freezer and take an inventory. Use this inventory to pick meals that will use up the items you already have. This will prevent waste and save you money.

Check for Coupons or In-Store Sales

If you use coupon apps, you can base your weekly meals on what coupons are available to you. Check in-store or online to find out what deals your chosen grocery store have on that week. If you team the sales with your pantry inventory, you can save yourself a lot of money.

Daily Routine

It is pointless planning a meal that requires a lot of prep on a day when you are busy/ working late etc. Jot down a few notes on your daily routine throughout the week, so you can better plan your meals to suit your routine.

Meal Schedule

If you create a weekly meal schedule i.e. Monday’s is soup night, Tuesdays is slow cooker night, then you have already helped yourself out. You know what recipes to look for, and the family already has a rough idea of what will be for tea. You may find that you regularly have basic ingredients leftover in your pantry if you plan this way. For example, if you made a red lentil soup with vegetables last Monday, you may have leftover red lentils in the pantry to make a red lentil and bacon soup this week.

Tried and Tested Recipes

Have a list of recipes that your whole family enjoys as a reference. There’s is no point creating a meal that only three of five people like. Aim to try new recipes every couple of weeks, and if they are a hit, add them to the list.

Create Your Meal Plan and Shopping List Together

If you have taken your inventory and planned your meals you will know exactly what ingredients you need to buy. Writing your shopping list as you meal plan will ensure you don’t have to spend time trying to remember what you need later.

Batch Cook

If you can double up on a recipe, then do so. Soups and stews etc can be doubled up and the leftovers frozen for another week. Planning your batch cooking when you meal plan will ensure you account for the extra ingredients on your shopping list.

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I hope these tips are useful to you. These are just a few of the things I do when I meal plan. Feel free to comment with your ideas and tips. I’m always keen to streamline my process more.

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The Ins and Outs of a Side Hustle

I have had many people asking me what a side hustle is. Side hustles are a big deal in the budgeting and debt free community, and can be useful in helping you meet financial goals. So, buckle in for your lesson in side hustles and some side hustle ideas to get you started.

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What is a Side Hustle?

A side hustle is a way to make money alongside a full time job/ primary income. It’s that simple.

You tend to find that most side hustles are quick money makers, but not of substantial values. Remember, if you are making substantial money from a side hustle, the tax man wants to know about it.

Why Side Hustle?

Like I said, side hustles are popular in the budgeting and debt free community because they are a great way to speed up the process of paying off debt or growing savings.

You can side hustle for any number of reasons. For example, to fund Christmas, save for a holiday, or to buy a car etc.

Side Hustle Ideas

I have put together 10 simple side hustle ideas to get you started:

  1. Selling unwanted items. If you have unwanted items to sell around your home, then why not make money out of them? Using sites such as Ebay, Gumtree, and even Facebook Marketplace is a fast, effective way to make cash.
  2. Online Surveys. This can be a little hit and miss, and you need to put the time into the surveys to get the rewards (which can be small), but if you are dedicated to your cause you can build up cash to redeem into your Paypal account. There are many online survey sites to choose from. I have personally used Swagbucks, MySurvey, and Opinion Outpost.
  3. Selling handmade items. If you have a skill for creating things, then why not make some cash out of it. Etsy is a great site for selling handmade items.
  4. Weekend jobs. Could you make a little cash helping neighbours with their gardening, walking dogs, or washing laundry? These are just a few ideas of how to make money during the weekend.
  5. Start repping. In the UK, many people side hustle by repping for businesses such as Bodyshop, Avon, and Scentsy etc. You can sell items via social media or hold home parties.
  6. Mystery Shopping. Did you know that you can earn cash by becoming a mystery shopper? Mystery shoppers perform a set of designated tasks in a specific store/ business i.e. asking a member of staff for help, buying a product, or making a complaint etc. They then make a report on their experience. Grassroots and Market Force are popular mystery shopping companies to research.
  7. Freelance Writing. If you have a talent for writing, why not sell articles to magazines/ online sites? Even sending in pictures with short, life stories to women’s magazines can bring in a little cash.
  8. Stock Photography. If you have a knack for capturing great pictures, you can make some money selling your pictures to stock photography sites. Sites such as Shutterstock will pay royalties each time your image is downloaded.
  9. Babysitting. Babysitters earn good money, and usually grow a reputation via word of mouth. It would be worthwhile to pay for a first aid course, and even the necessary vetting checks to encourage more parents to hire you.
  10. Affiliate marketing. If you have a good following on various social media sites or a blog, you can market products to your followers. You provide an affiliate link to the product, and if your followers buy the product via your link, then you receive a commission. Amazon Associates is an affiliate program worth researching.

I hope this post has been useful to those of you looking to start a side hustle. Let me know if there are any other ideas I could include.

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How Decluttering Makes You More Frugal

Holding onto items might seem like a good idea. The ‘I may need it in the future’ mindset might seem like the frugal approach, but decluttering is more beneficial to your frugality in the long term. Here are some reasons to get decluttering and become more frugal:

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Potential cash

Keeping unused items is like keeping safes of cash around the house that you haven’t got a key for. Why keep the scanner or digital camera when you haven’t used them in over a year? The frugal approach is to sell them and put the cash toward something useful.

New Mindset

Decluttering can give you an insight into items you actually use and those you don’t. This can help change your mindset when you are shopping. ‘Do I really need it?’ and ‘Will I use it?’ are questions you will find yourself asking. Thinking before you buy is an important step in frugality.

Minimalism Benefits

This links into the above point. Having a clean, decluttered home can curb your unnecessary purchases because bringing useless items into the house will spoil your minimalist vibe. Wanting to keep your house in a harmonious state is great for mental health and stress. This will encourage careful thought before purchases.

Less Housework Time

If you declutter thoroughly, this can save time when it comes to cleaning and housework. Time management is an important tool in frugality. You may find that you have a little extra time to start a side hustle to bring extra money into the home, or find that you’re not rushing everywhere by car and can walk more to save fuel etc.

Freedom to Make Change

Decluttering your house will give you more options that may not have existed to you when you filled your house. Downsizing to a smaller house to save money may become an option. Important home improvements/ maintenance can be made. Maybe that spare bedroom can be rented out, or you may find space to start a new money making venture.

Having the option to make changes is a long term benefit that can improve your future.

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I hope this post has given you some food for thought if you have been holding onto items, or wondering if decluttering is the right foot forward in your journey of frugality.

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30 Easter Activity Ideas

With the Easter holidays upon us, I have been looking for some free/ inexpensive Easter activity ideas to keep my eldest entertained. Here’s a list of 30 ideas I have found (with links).

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  1. Paper plate rabbit
  2. Q-tip Easter egg decorating
  3. Thumb print bunny picture
  4. Salt dough Easter eggs
  5. Krispie nests
  6. String Bunny Silhouette
  7. Bunny hand print art
  8. 3D lamb picture
  9. Doily lambs
  10. Easter tree
  11. Book page/ newspaper garland
  12. Cupcake liner Spring flowers
  13. Easter Joke/ fortune teller
  14. Toilet roll tube stamper
  15. Egg carton bunny
  16. Easter cross sun-catcher
  17. Chick fork painting
  18. Paper daffodils
  19. Easter yarn project
  20. Paper plate Easter wreath
  21. Painted plant pots
  22. 3D flowers
  23. Resurrection craft
  24. Shaving cream dyed eggs
  25. Q-tip daisies
  26. Plastic egg garland
  27. Nature bunny crafts
  28. Painted Easter rocks
  29. Floral Headband
  30. Easter mason jars

I hope there are some crafts in this list that can keep your children entertained over the Easter period.

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Why You Should Make Your Children Work for Their Pocket Money

I am a firm believer that children should work for their pocket money/ allowance. By work I mean do chores around the house. How much you give your children is up to you and your budget, but that shouldn’t mean you hand over your hard earned cash for free. Whether your child is 8 or 16, here are my reasons for making your child earn their pocket money.

Appreciate the Value of Money

If your child has to complete chores for money, they will appreciate that time equals money. When you have to put your own time and effort into a task, the reward increases in value.

Sense of Pride in Relation to Work

Completing a task and being rewarded is a great confidence booster. Starting this healthy relationship between hard work and reward as a child will benefit them greatly in adult life.

Responsibility

Delegating certain chores to your children will give them a healthy amount of responsibility. They will feel you trust them to do essential tasks to a good standard.

Having pocket money and having parents who trust them to use it wisely is also a good responsibility for children to have in order to ensure money savvy adults.

Less Wasteful

If they have had to put their own time and effort into earning the money, they may be less inclined to waste it on pointless things. Once again, the value of money becomes apparent. Encouraging your child to save is another step in their education of life and money.

Increase in Respect for their Parents

Once they realise the effort they have to put in, they may start appreciating the effort their parents put in daily. The ‘I want’ and ‘money grows on trees’ attitude should be a thing of the past.

Preparing them for Adulthood

All the above points will ensure your child has a good grasp on what it means to work hard for their money, how to be money savvy, and appreciate the value of things. Money doesn’t come from thin air, and that includes pocket money.

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30 Handmade Gift Ideas on a Budget

One expense that I encounter every month is gift buying. I have a large family, and there is one or more birthdays each month, not forgetting Christmas. A great way to reduce the expense is to get creative with handmade gifts.

  1. Painted stones
  2. Painted/ decorated photo frame
  3. Chocolate Truffles
  4. Herb and salt bath soak
  5. Scrap book of photos
  6. Wild flowers bouquet
  7. Handmade voucher for one favour
  8. Herb infused oil
  9. Cookies
  10. Printed bookmarks
  11. Cookie mix in a jar
  12. Salt dough ornament
  13. Hot chocolate spoons
  14. Melted crayon shapes
  15. Scented sugar scrub
  16. Sweetie filled bauble
  17. Toffee apples
  18. Tea bag wreath
  19. Decorated plant pot
  20. Framed poem
  21. Framed song lyrics
  22. Handwritten recipes
  23. 52 reasons why I love you cards
  24. Photo calendar
  25. Alphabet painted stones
  26. Mixed bean soup mix
  27. 365 reasons why I love you jar
  28. Chocolate bar and candy cane sleigh
  29. Scented foot scrub
  30. Painted shells

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Spring Family Bucket List

Sunny spells, sudden showers, Easter holidays, and a sense of new life. That is what spring means to me. Get out and enjoy the warmer weather, even the wetter days, by creating a Spring bucket list! All of your activities can be free or inexpensive and you can still make the most of springtime as a family.

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Here’s my family’s Spring bucket list for 2019. It may be a little optimistic as my husband works full time outside of the home, but we’ll try to tick off as many activities as we can. Feel free to copy our list, or adapt your own list for your family.

Let me know if you plan out your family time for the weekends/ holidays. Will you be creating a bucket list this Springtime?

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Amazon Gifts for Her

Giving gifts can be costly, but sometimes, we just don’t have the time or skill to make homemade presents. What if I told you that you could buy gifts for under £1 with free postage and packaging? Well, you can! I scoured Amazon.com for some cheap presents for her.

Ladies Drop Earrings £0.49 and free p & p.

Good Luck Elephant Necklace £0.84 and free p & p.

Heart Bangle £0.49 and free p & p

Winnie the Pooh Quote Key Ring £0.92 and free p & p

Leaf Stud Earrings £0.89 and free p & p

Have these gifts inspired you to search online for some bargains? You save money, and the recipient need not know a thing. Mum’s the word.

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Please be aware that these items do not come in presentation boxes just plastic baggies. You can buy cheap jewellery boxes on Amazon depending on the size you require.

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