Are you struggling to pay your bills, or can't seem to save any money? Wouldn't you like to be able to live your life without having to think about your unpaid bills, whether you have enough food in the fridge to eat, your credit card being declined when you make a purchase, or whether you can go out on a Friday night with your friends and not worry about how much money you have on you to pay for your dinner and drinks?

More importantly, wouldn't you want to know that you can pay your rent or mortgage every month without the stress of money worries, and being able to save money 'every time' you get paid?

I have put together the following tips on how to cut down on unnecessary expenses, by asking you several questions:

1. How many cars do you have? Do you really need more than one car?
2. Do you really have to go out and party with your friends on Friday, and Saturday night?
3. Do you really need to get your hair done every week?
4. Do you really need to get your nails done every week?
5. After seeing that blouse in the store window, did you really need to buy another one?
6. You just bought a pair of shoes last week; did you really need to buy another pair?
7. How many credit cards do you have? Do you really need more than one?
8. You've been putting three teaspoons of sugar in your coffee for as long as you can remember; do you really need three teaspoons?
9. You went grocery shopping on Tuesday; did you really have to go grocery shopping again on Thursday?
10. You have more than one mobile phone; do you really need all of them?
11. You are late again to pick up your child from the nursery - incurring late fees again; do you have to be late most of the times?
12. You told your child you cannot afford to get them another toy; did you really have to take him or her to the toy store while you were at the mall today?
13. Do you really need to have those clothes dry cleaned?
14. Do you really need to have your car washed every week?

These questions might seem irritating to you, but clearly the list can go on and on. It is only up to you what you do with the answers that will make your situation less irritating. The answers to most things we need to change are right in front of us but somehow we don't see them, or we ignore them. We all live beyond our means from time to time, but when your weekly, monthly and/or yearly expenses far outweigh your income then you should take a look at what it is you 'really need' versus what it is 'you want'.

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Teach Your Kids How to Manage Money

It is never too early or too late to teach children how to be smart about money. From the moment they are given their first allowance, it is important that they know the value of money and how to spend and save wisely. Here are some tips on how to teach children to manage their own money.

1. Ask them what they spend on with their allowance

When parents give children allowance it is assumed that it is for the children’s needs for school such as lunch money, or joining fees for extra curricular activities. No matter what amount you give your child, ask how much he or she spends on lunch, and what are the other things they use their allowance for. This is not simply to hound on children regarding their spending habits, but to also for the parent to realize if their children are managing their money well.

2. Encourage them to open a savings account

By opening a savings account for your children, you are teaching them a very valuable lesson: it’s not how much you spend but how much you save. Parents can jumpstart this good habit by taking them to the bank and involving them in the enrollment process. If necessary, you can provide the preliminary deposit requirement and let them know that this amount is theirs if they regularly maintain a good number in their accounts. You can make trips to the bank on a regular basis to encourage them to save regularly.

3. Discuss spending options with them

If children are getting used to the habit of asking their parents to buy everything they see and want, they will grow up relying on other people for their financial or monetary wants. Strike a bargain with children when they ask you to buy something for them. Offer the item as a reward, or pay for half and encourage them to save for the item. If you think that the spending is absolutely unnecessary, talk to your children about why they want it and what value it will add to their lives if they purchase the item. This will teach them to be more practical with their spending habits.

4. Teach them the importance of hard work

One of the most important lessons parents usually tell their children is that money does not grow on trees. Money has to be earned through hard work and productivity. Parents can offer their children monetary reward for doing extra chores around the house, or offer rewards for a good performance in school or extra curricular activities. Give them an increase in their allowance if they show effort to do well in school, or have shown initiative around the house. This is a good way to instill the value of money, especially if they worked hard for it.

5. Be smart with credit cards

Nowadays, parents are more lenient when it comes to giving their children access to credit cards, as they are conscious of cases of emergency. Be wary of giving them credit cards, especially if they are not the ones paying for it. This will encourage them to be smart about money and credit. They can avoid being in debt early in life, and this will persuade them to become more resourceful when it comes to finding ways to earn money.

Teaching children to be smart about their money will help them in the long run. They will learn that money is not just something that mom and dad can give them anytime, but rather a responsibility they must take on to prepare them for adult life.
by Jackie Acosta

Save Money on Clothing Purchases for Your Family

Even with a tough economy, your family still needs clothing. Children still grow out of clothing and a family needs clothing for special occasions or different seasons. Sometimes these purchases can feel like a big challenge as you’d rather “make do” with what you have, and you feel frustrated that you have to spend money on new clothing. But you truly can save money on clothing purchases for your family. It simply takes a bit of creativity, practice and planning to learn how to save money on every clothing purchase. But once you get used to saving all of this money — in any economy you’ll be saving lots of money that can go to other places like the kids’ education, vacations or other family needs.

Tip #1: Expect to have to buy clothing. Some families, especially in a tough economy, don’t like to think about having to make a purchase. But that is just avoiding the situation. These purchases are going to come around — some of them at regular intervals. You can learn to expect them and to prepare for them. Preparation for something so often makes it easier. This goes hand-in-hand with shopping early. When you shop early you also have more options and can make decisions quickly.

Tip #2: Get to know other families with children your age — or just a bit older. This is an excellent tip that many families have relied upon for years, especially in leaner years. Have the children who outgrow their clothing give it to the smaller or younger children. While this won’t get you away from making every clothing purchase, it often can help with many of the basics like jeans, tops and sweaters. Having a group of Moms come together and form a clothing swap can help out many families.

Tip #3: Look for quality, practical items. Many people focus on going to a discount store to save money. But if you buy several items at a cheaper price and they do not last very long — this actually wastes you more money than if you go to a better store and buy two items that last a much longer time. Most family members would rather have good clothing and less items than lots of clothing but less quality items.

Tip #4: Check out consignment stores. Consignment stores in many areas are a “best kept secret” and can become your bargain shopping best friend. A consignment store will have high quality designer clothing on sale at very reasonable prices and you can often get great deals at a consignment store. At some consignment stores you can let them know you are looking for certain items and they will call you when they come in.

Tip #5: Discover coupon website that save you cash. If you could save 30% on your purchase or get free shipping — wouldn’t you want to know about it? That’s why you should be sure to visit coupon websites like RetailMeNot.com and SlickDeals.net. You’ll find coupon codes for many popular retailers.
by Abigail Beal