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Small Ways to Save Money During the Holiday Season

Budgeting / By

The holidays are right around the corner, and since the average American spends over 1,000 dollars on gifts and travels over the holidays, it’s a good time to do what you can to save a few bucks. After all, you work hard for your money, so why waste it? If you want to make it through the winter without a depleted bank account, then check out these three helpful ways to save money during the holiday season.

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Annual Budget

Guide to Creating an Annual Family Budget Plan

Budgeting / By

Managing finances for the whole family is not always easy. It can be overwhelming to balance the needs and wants of all family members with the realities of your budget. That’s why some planning and organization is necessary to help you be aware of your income and spending. A budget will also help you be more prepared when it comes to dealing with unexpected expenses. That’s why we wanted to help you with creating an annual family budget plan. Here are some tips and tricks you need to manage the family finances in the long run.

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Teach Your Kids Finances

Teach Your Kids About Money Management

Children / By

Learning to manage money is an essential life skill that impacts every stage of a child’s development. Children can begin to understand the role of finances in family life from a young age.  Age-appropriate lessons can help them become financially literate and prepared to handle income and spending as they become young adults. Here are some ways to train your kids how to manage money.

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moving on a budget

Cut Household Expenses for Your Big Family Move

General / By

Moving can be expensive even if you “Do it Yourself”. There is the truck rental, gas, time off of work, pizza for the “helpers”, plus depending on the timing of the move you might have to pay rent twice for that month. In addition, you will probably have to pay deposits for your new utility services which can add up to hundreds of dollars. All of that can be expensive.

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Planning for Vacation

It’s Not Too Early to Begin Budgeting for Your Summer Vacation

Vacation / By

Summer vacation is something that we all look forward to. This holds especially true for children as Summer Vacation becomes the highlight of their year and often creates lasting family memories. However, affording a summer vacation can be tough on most of us. Often people will simply put the expense on their credit cards and end up paying massive interest on the debt. A better plan is to start saving beforehand so you can keep the interest in your own pocket.  Here are a few things you can do to budget for your next summer vacation.

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Crowns

4 Dental Procedures to Account for in Your Budget

Budgeting / By

A dentist can help you to have a beautiful smile that you will enjoy showing off. Whether you need to visit one for an emergency or for a regular check-up, you want to make sure that you have enough money budgeted out to handle any procedures you may require. Your teeth are an important part of your appearance, play a role in how you speak, and allow you to eat the foods you love, so taking care of them is a smart investment. Many dentists are affiliated with either a dental program that guarantees you a specific reduced price like 1Dental, or they accept Dental Insurance, or they have an arrangement with a financing program that allows you to pay for more expensive procedures over time.

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Backyard on a Budget

Remodel Your Family Backyard and Save Some Money 

Home Improvement / By

Backyards seem to be made especially for Summertime. So with Summer upon us you might be considering a bit of an upgrade for your backyard. Whether you’re redesigning your whole backyard or simply doing a small upgrade, here are a few simple tips. Most families like having a great outdoor space they can use when the weather conditions allow them to, so there’s an idea for every part of the backyard that can allow you to do that. Of course, every successful project requires detailed planning and you’ll need to make sure all of your wishes are included in the design. The best way to be sure you’ve done everything right is to get inspired before you start making big changes, you might want to pop over to Pinterest and search for “backyard ideas”. You’ll find everything from firepits to sheds and fancy lighting.

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Mortgage Down Payment

4 Ways to Cut Back on Your Budget to Save for a down Payment

Loans & Mortgages / By

You’ve talked to your family and have made the decision to buy a home. This means that you won’t have to throw money away on rental payments each month. However, you’re going to need to provide a down payment for the house that you want to get. Real estate agents will tell you that a standard mortgage will typically require that you have 20% of the purchase price as a downpayment. But there are ways that you can have 10%, 5% or for first time home buyers 3% for your down payment.  And it is possible for Veterans to pay Zero percent down.

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