3 Different Money Challenges to Fit Any Size Budget

If you live on a budget like I do, you are always looking for a way to save money. So I’m sharing with you the 3 different money challenges I have used throughout the years depending on the budget I had at that time.

Whether you are saving for an emergency fund, Christmas, a vacation, a rainy day fund or just want to have a savings account, there is a way to save.

I have come up with different money challenges to fit any budget (I have used each one at different times in my life). Now keep in mind that I am a single mom with very little income and I am back to saving again with a money saving challenge.

1. $5 Bill Challenge

It all began years ago when I was able to save and decided it was time to take a hold of my finances.  But somehow as soon as I would get to a few hundred dollars something always came up and it needed to be used. At this time I was saving $5 dollar bills. Anytime I would get change back from making a purchase, if I got a $5 bill back, I would stash it away.

2. $1 Bill Challenge

Then hard times hit. So I changed to $1 bills. And I saved them. I did this all year long so I would have money for Christmas. At this time there was no saving for an emergency fund or vacations, etc. I was really living on a close budget but knew I had to have money for the kids for Christmas.

3. $.25 (Quarter) Challenge

And now, as a single mom the budget is well, not even really a budget. After the bills there really is nothing left. Change, that’s about it. But my frugal mind knows it still needs to save! So now I save quarters. It is not much, but it is still saving and I do have quite a stash. And believe it or not, those little quarters actually add up fast!

Money is money and you save anyway you can. If you have children and are struggling, you know what I’m talking about. I may not end up with as much money at the end of the year with the quarter challenge as I would with the $5 challenge but I do what I can with what I’ve got. And at the end of the year, I will still have a small saving to use for Christmas if need be or to put in my savings account.

I do hope to work my way back up to the $5 money challenge as things are looking up since I have starting in the direct sales market. But for now, I’m just happy to be able to save something.

Have you ever done a money challenge? How do you save when living on a tight budget? Would any of these money challenges fit your budget? Let me know in the comments!

 

 

Family Fun Night from the Dollar Tree

Family Fun NightFamily Fun Night On A Budget

Having money in the budget for family fun isn’t always possible. Whether you live paycheck to paycheck, live on a small budget, are a single parent, or just going through a rough patch, sometimes the extra money to go to a movie or out to dinner just isn’t there.

But we all know how important our family is. They are the ones we love, the ones who are always there for us. And probably the reason we have tight budgets. haha Whether you have a large family or it’s just the “two or three of you”, the Dollar Tree makes it possible to still have a Family Fun Night.

Start digging up that loose change, or those few dollars you have stashed away for a rainy day, because you can show your family a little fun and forget about the daily stresses of life for at least one night.

The Dollar Tree has everything for $1 or less!

  • Snacks
  • Drinks
  • Popcorn
  • Paper Products
  • Cards
  • Games
  • And so much more!!!!

Depending on what you have to spend for your Family Fun Night, you can decide, with your family, of course, what the Family Fun Night will include!

Or, better yet (I think, because I love to surprise my kids), if you want to surprise them with a Family Fun Night, just wing it, you’ll know what you want and what you can afford! Link below to help you figure out how to plan your night!

Make your next Fun Night a success without breaking the bank at DollarTree.com

 

Mommy Needs To Wine Too!

Mommy Needs To Wine Too!Mommy Needs To Wine Too

Mommy needs wine! Ok, So we don’t need to whine, well, maybe sometimes we do, just a little.  Or maybe a lot. haha But mommy needs to DRINK wine sometimes too. Ever have one of those days where you just want to get the kids to bed, have 5 minutes of quiet and drop on the couch with a good book and a glass of wine? No need to actually answer, I already know the feelin’.

We rewards the kids for being good right? So, shouldn’t we get rewarded for not going absolutely crazy some days?

If you’re mommy I’m sure you know what I’m talking about. I know, not everyone likes wine or drinks wine, but you get the drift anyway. Mommies need time too and how often do we get it? If your anything like me, not very often! Very rarely is probably a better way to put it.

I’m not of those people who have to have an expensive wine, after all I do live on a tight budget, but I do want a good tasting wine every now and then. One of my favorite wines is Barefoot Bubbly California Pink Moscato. While looking for this specific wine I found a couple of others I want to try too.

And I DO love a good glass of wine on occasion, well probably more than that, I just can’t afford it or when I can, I don’t get a chance to get out to get a bottle. So out of curiosity, I googled where to buy wine online. And guess what? You can buy wine online, even from Amazon!

Yes, your probably all laughing really hard right now, and that’s ok, everyone needs a good laugh too. I honestly did not know you could buy alcoholic beverages online.

However, depending on where you live, this may not be an option for you, but I checked it out and I can order wine online! Depending on the state you reside it, then in some states, it also depends on the county you live in. How crazy is that?

Now, I’m off to buy some wine online because when mommy needs to wine, she needs to have some in stock! Mama’s reward for staying sane. Any other mommies out there enjoy wine to relax on occasion? Can you buy wine online in your state and county?

Here is a list of Amazon Wine States.

10 Sleepy Time Books for Toddler Bedtime

10 Sleepy Time Books for Toddlers

10 Sleepy Time Books for Toddler Bedtime

This post is kind of a follow up to one I wrote a couple of weeks ago, Reading With Young Children, Is It Beneficial? From your comments, I believe it is safe to say, we all agree that it is very beneficial to our little ones. From the encouragement I got from that, I decided to find some favorite stories that I think will be loved by all, parents and children.

So I have taken the time to compile a list of 10, what I call, sleepy time books for toddler bedtime, from Amazon. These books are perfect for snuggles and letting your young one know it’s close to bed time.This seems to be the time of day my 4 year old son wants me to read to him the most. After going to pre-k all day, by 7:30 pm he is so ready for some snuggling and stories.

These are the 10 sleepy time books I felt were perfect for putting your child to bed. Some are best sellers and others are just classic good night books.

  1. If Animals Kissed Goodnight by Ann Whitford Paul
  2. The Going-To-Bed Book by Sandra Boynton
  3. Goodnight Moon by Margaret Wise Brown
  4. Pajama Time! by Sandra Boynton
  5. Little Owl’s Night by Divya Srinivasan
  6. It’s Time to Sleep, My Love by Nancy Tillman
  7. Sleepyheads by Sandra J. Howatt
  8. The Goodnight Train by June Sobel
  9. Where Do Diggers Sleep At Night? by Brianna Caplan Sayres
  10. Good Night, Little Bear by Patsy Scary

What do you think of my sleepy time list?

We have a couple of these, Goodnight Moon and The Goodnight Train. I do plan on adding more to his collection, one at a time. Sometimes budget living is for the birds, lol.

*This post contains affiliate links that may or may not compensate this blog. Any purchase you make through any affiliate link, helps keep this blogs journey moving forward and me one step closer to my goal. Thank you! 🙂

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