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Anticipating Expenses in Your Budget

When establishing a budget, it is important to account for variability. Some monthly expenses change a bit each month, such as your energy bills, others are paid bi-annually or annually instead of monthly, such as taxes, and some pop up unexpectedly. Others expenses may vary in their amounts each month. Knowing how to anticipate your expenses will leave you with a solid budget that is always in the black. First start with the stable expenses, those that do not change from month to month. Some examples might be your car payment, your mortgage payment, or a student loan. You can … Continue reading →

Paying the Price for In-Flight Food

Forget about sky-high luggage fees and consider the priceless commodity you risk when you take flight these days—your health. Most travelers are quick to calculate airfare, hotel accommodations, rental cars and souvenir expenses, but neglect to factor in the toll eating overpriced airline food may have on their health. According to a new survey, most airlines don’t offer food items that do a body good; though, some are better than others. According to the poll featuring 10 North American airlines, Air Canada and Virgin America top the list of healthiest in-flight food. Both carriers scored high marks for their healthy, … Continue reading →

Keeping Kids Humble

We have a saying around our home: “Miracles do happen… to other people.” Okay, so it’s not featured on a needlepoint canvas and displayed in a wood frame in our entryway, but I’m pretty sure I utter the phrase at least seven to ten times a day. In fact, I just said it again a little while ago. ABC News just ran a story of a New York teen who hit it big on a $2 scratch-off lottery ticket. Eighteen-year-old Robert Salo is one very, very lucky kid. The teen scored a million bucks just days before his high school … Continue reading →

Using Your Phone To Manage Your Life

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Remember the day you separated from your ex husband? For many of us that was the day that divided our neat, orderly life from the chaos that reigns today. Let’s face it, it’s hard to be all things to all people, especially when those people aren’t even old enough to cross the street alone. What am I saying? It’s not hard, it’s impossible. All we can do is keep trying to find new ways to get some semblance of control and order in our lives, or make peace with the chaos. For me the only thing that works is lists, … Continue reading →

State Farm has Advice for Minor Car Accidents

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What should you do if you get into a minor “fender bender”? Are there things that you shouldn’t do? State Farm has created a quick list of advice about what to do after you get into a minor auto accident. You might want to bookmark their blog, just in case you need fast access to their advice. The advice from State Farm Insurance is in a blog post called “The Do’s and Don’ts of a Minor Car Accident”. It gives you specific answers about what to do, and not to do, after you have gotten into a minor car accident, … Continue reading →

Let Them Be Little

Do you let your children be children or have they become mini spouses? All too often single mothers lean on their children too much. It’s so easy to forget that they are just kids when we need their help. It’s nice to have someone else to take out the trash, walk the dog or vacuum, but our worries should not be theirs. So many times I’ve seen little boys with the weight of the world on their shoulders. They will do without to make sure their siblings have enough, they worry about their siblings, their mothers, the bills. It’s very … Continue reading →

Take Back Your Power

It’s all his fault, if he hadn’t done ( fill in the blank), we would still be married, my kids would have both of their parents and I would have my happily ever after. Instead I’m raising three kids by myself, with barely enough money to pay the bills, forget about anything extra while he is off gallivanting with his girlfriend of the week. Sound familiar? Even some of it? Most of us have a divorce story. Some of us initiated the divorce but even then there is more than enough blame to go around. In my case, my ex … Continue reading →

What Does Maternity Insurance Cover?

Does your health insurance plan cover maternity? Most of them will not, unless you specifically purchase that extra form of insurance. Without it, many families find themselves paying for those expenses out of pocket after their baby is born in the hospital. Common sense would tell you that pregnancy, and childbirth, are natural functions of the human body. One would assume that the medical expenses that go along with prenatal care, postnatal care, and giving birth at a hospital would be covered by a typical health insurance policy. Most people would consider a pregnancy to be a blessing, and realize … Continue reading →

Talking to Your Parents About Their Finances

There are many things that people tend to become concerned about as their parents get older. Things like the physical and mental health and well being of their elderly parents are often top of mind for many adult children. The finances of elderly parents are also often a cause for great concern, especially if the adult children do not live close to them. How can you help to ensure that your parents stay current with their bills and stay away from scam artists who target the elderly without offending them? It is a delicate path to walk, to be sure, … Continue reading →

Where Did Her Childhood Go?

I was at the grocery store the other day and saw a mom with a little girl who was about four. The little girl was talking a blue streak and her distracted mom would nod her head or agree or utter some small comment. You could tell the mom was preoccupied and wasn’t really paying attention, not fully present with her daughter. Maybe she had other kids at home, maybe this was the first stop on a list of errands she had to run, maybe she was late for something else. Whatever the reason, mom wasn’t truly there. I’m not … Continue reading →