7 Tips for Financially Savvy Moms
(The following is a guest article by freelance writer Jake Fisher. If you would like to guest post for us please see our guidelines. Editors’ Note: I thought these tips by Jake were pretty solid. I especially like the tip of getting free samples. It is amazing how many samples companies give away to consumers. What a great way to test out new products before spending any money on them.)
As a mom, you’re consciously looking for ways to save money on a daily basis. You check deals, clip coupons, use coupon codes, and take advantage of free samples. But there are other clever ways you can save and make money that you probably haven’t even thought of. Read on for seven tips for financially savvy moms to save money.
Sign up for Free Online Offers
Via Flickr by slgckgc
If you see a new product available at the store, chances are it’s available as a sample somewhere. There are websites you can sign up with to learn about great new samples that are becoming available on the market so that you can try a product before buying it. (Kyle’s tip: Go check out my buddy’s site, Just Free Stuff.com for info on where to find a ton of free samples and other goodies.)
Use Budget Apps
Via Flickr by rhodes
Being a financially savvy mom, you probably already follow a very strict budget. You can always improve your budget, and how you keep track of it, by using budget apps on your smart phone or tablet. Apps like Pageonce allow you to see all of your bank account, bill, credit card, loan, and other accounts all in one place, making it easier to manage and save your money.
Use Budget Calculators
Via Flickr by Horia Varlan
In addition to budget apps, budget calculators can be used to determine the best way to use your money. Should you buy or rent a house? Should you and your spouse both work? Can you afford daycare? These questions and more can be answered with budget calculators like those featured on Miserly Moms.
Don’t Forget About Your Social Life
Via Flickr by kevin dooley
Even financially savvy moms need to kick back and have a good time. You and your family can still enjoy living socially while sticking to your budget. Websites like Groupon allow you to find daily deals on restaurants and other popular businesses in your area, and then sends the best deals to your email, Facebook, or Twitter account.
Explore Yard Sales
Via Flickr by usedtobelost
Yard sales can be great places to find bargain prices on items you and your family need and want. You could spend hours driving around town on a Saturday searching for “Yard Sale” signs, or you could save time by looking up local yard sales on the Internet. Yard Sale Search allows you to find yard sales one to twenty miles away in any U.S. city, any day of the week.
Via Flickr by marcy23
Entering online contests and giveaways is a great way to earn extra money in your spare time. You can enter daily sweepstakes, participate through completing surveys, or even enter your blog into competitions like the RewardIt blogger contest. Contests are obviously no guarantee, but they can be extremely lucrative if you have lady luck on your side.
Teach Your Kids to be Financially Savvy
Via Flickr by epSos.de
It’s never too early to teach your kids how to handle finances properly. If you give your kids an allowance, you should also be teaching them how to use it responsibly. Money Magazine has put together some valuable information on teaching your kids how to be responsible with money.
These seven tips can be added to your financial toolbox to help you with your budget and continue to save or make money on a daily basis. Use them in conjunction with the steps you’re already taking to save money, and you’ll be a financially savvy mom.
Author Bio: Jake Fisher is a freelance writer with a healthy love of culture. Catch him on the blogosphere writing on topics from tech to beer or whatever piques his interest.If you enjoyed this post, make sure you subscribe to my RSS feed!
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