Excited For His Birthday

For some reason the little big tot is extra excited for his upcoming birthday. He will turn 13 in two weeks. But he started singing Happy Birthday song for as early as November. Before he will remind me about his birthday a month or two after his birthday. I know its exaggarated since he just celebrates his birthday and he is starting to look forward for this next birthday.

Anyway, I dont have any plan yet for his birthday. Though I and the boyfriend talked about it already but no specific plan yet.

The little big tot will turn into a teeneger. I am glad that I not yet in a situation that I need to deal with him having girlfriend. I believed it will not happen in the near future, that is what I want to believe though. I guess I am not ready yet. Thankful it is not on his mind yet.

I know I cannot deny the fact that being a teeneger needs a lot of attention because it is the time wherein they start to be curious of so many things and would like to try some thing. I am praying that the little big tot will ne responsible of anything he do.

Small Business Ideas For Moms

As a busy mom it can be a struggle finding the work/ life balance. Maybe you’re keen to continue working as you don’t want to lose your skills, or perhaps your financial situation means you simply can’t stay home full time. Either way, the trouble that many of us can have is that work hours are generally pretty rigid, and our lives aren’t. Kids can get sick meaning we need time off, we might have been up all night with a teething baby meaning we’re running late the next day, we have plays, sports days, parent’s evening, appointments and other things that we simply don’t want to miss in our little one’s childhood.

 

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However there is a way you can have the best of both worlds, setting up your own business puts you in control and allows you to earn money around your child care commitments. You’re the boss so you can say how many hours you want to work and what times, and really make it work for your life. If you don’t have upfront cash, you could always consider women’s small business loans to get yourself established. But what kinds of business ideas should moms consider? Here are three examples.

Mobile Beautician

If you’re a people person and into the fun and girly things in life, a mobile beautician or hairdresser could be ideal. Treatments such as hair cutting, colouring and styling, makeup application, nails, spray tanning, eyelash extensions, brow sculpting, waxing and threading and more are all popular. Some of these qualifications you can gain in a fairly short space of time which is great if you’re starting from scratch. Otherwise you could go to college part time and gain yourself a qualification first. Providing you have a driving license and your own vehicle it’s a chance to earn money doing something you enjoy, things like group bookings for girls nights out, hen parties or wedding parties all do very well.

Freelance Writer

If you’re a keen writer, why not put your skills to good use? If you sign up to a freelancing website there’s almost always work available- and while each piece will have a deadline you can choose how many you take on. Best of all it’s from home and all you need is a computer, you could do an article during nap time, or a couple during the evenings and weekends. The money will soon add up!

Baking

If you’re a fantastic baker, why not share this skill and use it to make you some money? You could start a baking business from home selling things like celebration cakes for weddings or birthdays, decorative cupcakes, cake pops, brownies and more for parties or for people to buy as gifts. You will have to set up your kitchen to pass a health inspection and follow the rules around this, however it’s a fun home business that you could do and earn yourself some good money!

Moms, what business ideas have you considered?

How To Silence The Shopaholic Devil On Your Shoulder

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When it comes to saving money, all is fine and dandy until the latest sale email lands in your inbox, or you have to walk through the high street to catch your bus home from work. It seems that part of your brain reawakens that needs to constantly spend money and the mantra of “treat yourself, you deserve it” overtakes the rational part of your brain that is telling you that you only have a certain amount in your bank account left for the month. It can take more than a quick research into consolidate credit cards to gain the mentality you need to save enough money to clear any debt you have, and start to see growth in your savings accounts. Below are a few tips that will help to silence the devil on our shoulder everytime you walk past your favourite store.

Change Your Attitude Towards Money

It can be very easy after budgeting to see the money you have left over and think of it as “disposable”. Yes, the definition of disposable income is “money that can be chosen to be spent or saved by the owner”, but in this case, it is arguably more beneficial to go with the article definition of disposable: to be thrown away after use. If you begin to see your sudden splurges and impulse buys as money thrown away, you will be less likely to keep spending. Having a clear out can help to show you the impact that impulse buys can have on your consumerist attitudes. You will become aware how many purchases were only used a couple of times before they were forgotten about and replaced by a new purchase, and be reminded of things you already have. It can give you a new perspective on your buying habits, and maybe even help you to nip some in the bud.

Re-evaluate Your Budgeting System

It can be extremely easy to put the money away for bills, food, and petrol for the month and then just spend the money anywhere you see fit. However, if you start to budget an appropriate amount to put into savings it will become second nature to you, and before you know it, you’ll have a sizeable amount of money. Giving yourself no excuse to not put money away will prioritise your saving and potential future investments over new shoes or a handbag.

Question Every Purchase

A bargain isn’t always a way of saving money – it is still spending money, just less of it, and you save a lot more not spending any at all. Think about the purchase you are holding in your hand before you take it to the cashier. Is it something you actually need, or something you want? If it is something you want, put it back on the shelf and walk away. If you are still thinking about it a few days later, you may be able to justify purchasing it. Think about the amount it costs, versus the number of hours it took you to earn the money for it. If you would work the number of hours equal to the cost again just for the item, then it is a sensible purchase. If not, then the item is not worth it and will be collecting dust before you know it.

Hopefully, this has helped you to reevaluate your spending habits, and given you a new perspective on successfully saving money.