Archive Monthly Archives: July 2016

My Top Three Ways To Save Money

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In a lot of families dad makes the money and it is Mom’s duty to ensure that his pay goes a long way.

Mom is at home, so she has time to pay all the bills, to do most of the purchases of food, household items and to buy the necessary clothing. Does it sounds familiar?

When the family relies on one income, it is quite a task to provide all that necessary without the use of a credit card, and going into debt.

Here are my top three ways to easily save a considerable amount of money:

  • When I’m planning to buy electronics, furniture or pricier items, and I have an exact product in mind, I do a search on the internet and find at least three different retailers and compare their prices. Instead of just walking into Harvey Norman, first I check out their website and the website of Goodguys and any other local retailers. Than I know which sells item I want for the best price and it often can be a huge difference.Depending on the item, I check out Ebay and if the item is not too large and heavy and the postage is not too high, I buy it online. I found it to be cheaper to get my beauty products from Ebay. (Set up your Ebay search to show the listings by price lower to higher.)

 

  •  Many times I buy used items. I ask myself: do I need this item to be brand new or a used one will do the job? I needed a cloths dryer. My son was 2,5 years old and going through toilet training = lots of dirty pants and undies. It’s winter with lots of rainy days and it took long time for the cloths to dry. I realized that I do need a dryer now even if it won’t be very frequently used in the rest of the year. I have been able to pick up a dryer in perfect working condition from Gumtree for ¼ of the price of a new one. Gumtree is a great place to get bargains. I got a brand new bread-maker a few years ago for half price, the lady who sold it, got it as a present and she already had one. She sold it as she did not needed it.I used to pick up kids clothes new or used from Gumtree or Ebay for bargain price as well. Kids needs lots of clothes but they are growing them out quickly and more often than not, the second hand clothes are still in pretty good nick.

 

  •  I have started to pay off a little bit more than the minimum payments each time I’m paying our car loan. How does it saves me money? By having to pay less interest. I have calculated that by doing this I’m saving around $500 this year. If you have a loan, you can save on interest payable just by paying off 20% more each time than your minimum payments. That 20% extra will lessens your principal and can save you hundreds or thousands in compounding interest over the years.

There are many more ways to save and I will share a few more ideas in my next post.

How Did We Manage A Very Long Road Trip With Two Young Kids?

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We’ve been living in Western Australia but had a dream to move to Queensland.

The first opportunity came two months ago and we have moved over.

My daughter is 4 years old and my son was 2,5 at the time.

We have decided, that instead of flying the half of the family to Brisbane, we all going for the long ride with daddy. It took 5 days to reach our final destination: Toowoomba city in Queensland.

We knew that this trip will take about 5 days, and I took special preparations to have enough entertainment for the kids. Our portable video player broke a few months earlier so watching DVD with them wasn’t an option. I have searched for and found some good ideas.

Packed a few picture books, their toy cars, teddy bears, Angie’s doll. I bought two coloring books and color pencils, I found a sticky foam, do it yourself, zoo picture, and two wooden puzzle set, one with the ABC and one for the numbers. The wooden puzzles were a hit. They both loved them.

They especially enjoyed to take the puzzles apart to do it again, once every piece were in place.

 

Whenever we have stopped for lunch at a place that had a playground, we give our kids a half an hour to enjoy playing outside and move their bodies.

When we were out of the city, we laid down the back raw and created a large playpen in the boot of our Ford Escape. They were able to play or sleep if they wanted to. This is a choice we made to make the trip easier on them.

Apples and nuts came very handy, so we got new supplies whenever we could. Water is paramount, and if I could go back in time, I would make sure that we have a large supply of bottled water, as it is very expensive to buy at the gas stations.

My hubby had the great idea to put the potty in the car in case of emergency, and sure it was a life saver a few times when we couldn’t stop right away.

How frequently or for how long you want to stop depends on how fast you want to get where you going to and how frequently a sudden need arise. But travelling with kids will take a lot more stops even if these are short.

I hope you can pick out some ideas to make your travel as much fun as possible.

by Etelka Koshemakin

Catch Them When They Are Good

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Self confidence is important not just for ourselves as mum, but this is what we want to nurture in our kids.

How can we do this effectively?

I was listening some TED talks the other night about self confidence. I have especially liked “The skill of self confidence” by Dr. Ivan Joseph because he gave the answer to my question.

 

The tip from his video is great. We have to catch our kids when they do something good and acknowledge them, instead of criticizing them when they did something wrong. Heck, this will work with everyone else too. We can improve any community by focusing on the good things and reinforcing what is good instead of pulling down others for the thing they have failed in.

 

 

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