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Monthly Archive - January 2015

Valentine’s Day Gift Round Up

Valentine’s Day has a tendency to really get to people.  For all the secret (or not-so secret) romantics of the world, it’s an opportunity to go totally overboard in sentiment, complete with epic love poem and rose petals covering the floor. For the un-coupled it’s either a dreaded day or a day to scorn the preposterous marketing of cards, flowers and candy. There’s actually an e-how tutorial on coping with being alone.

Call me an optimist, but I tend to enjoy the lighter and more positive aspects of Valentine’s Day. I enjoy telling people, ” I love you” on this day. Of course I am also a fan of chocolate, candy, flowers, hearts and the color combo of red and pink. So, maybe Valentine’s Day just works for me.

For those of you struggling to get through this Valentine’s Day, never fear. I have created a really easy Valentine’s Day gift round-up that’s sure to score you some points with your sweetheart. And by sweetheart, I mean anyone special in your life that should know you care.
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10 Totally Free Ways To Beat The Winter Blues

Is anyone else starting to find winter a little overwhelming already? While not officially diagnosed with SAD, I’m not much for grey days and limited outdoor activities. Since we still have nearly two months of winter, I need to find ways to beat the winter blues. And let’s face it, they need to be free ways to beat the winter blues because we’re still motivated on our financial New Year’s resolutions.

At first glance, finding free ways to beat the winter blues might seem like mission impossible, but it’s not. In fact, the possibilities are endless – but they do involve using some creativity and a willingness to fight the urge to just curl up and watch TV…again.

So, let these 10 totally free ways to beat the winter blues be your initial jumping off point or inspiration. Mix it up with your own options, and you might find yourself pleasantly surprised by how quickly spring arrives this year:
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3 Best Cookbooks To Help You Lose Weight

How’s everybody else doing with the whole New Year’s resolution thing? Since we aren’t even out of January yet, I’m doing okay. I’m making it to the gym frequently which is a huge first step. Of course, EVERYONE is at the gym right now, so I’m fighting for my place on the mat just to get the most out of my workout. The other part of the whole healthy equation is the diet. Oh dear, the diet.
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The 52-Week Money Challenge: Pros And Cons

52 Week Money Challenge

Remember how we said that most New Year’s resolutions were related to losing weight, job goals, or money? Well, everyone is still talking about them this week so we thought we’d jump in there too.

By now, if you’ve been on Facebook for even five minutes you’ve surely run into someone posting the 52-Week Money Challenge on their page.  If not, check out this great post from The Budgetnista, who can get you started on it. Don’t worry – you’ve still got time to hop in there.

What is the 52-Week Money Challenge?

Anyway, at first glance the 52-Week Money Challenge sounds terrific. It’s a simplified way to set money aside for Christmas. I mean, just look at week 1, with a $1 deposit and then week 2 with a total of $1,378 saved. Let’s be honest though. We all see posts like this each month (if not weekly) and yet we never really do anything with them. So, should you jump on the 52-Week Money Challenge bandwagon or not? Let’s look at some pros and cons for it and then you can decide.

52-Week Money Challenge Cons

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The 52-Week Money Challenge sounds a wee bit gimmicky. Like a fad diet of sorts. And it could be for people who aren’t completely disciplined in money habits. The challenge encourages you to keep the money in a jar because you’re just dropping small amounts in each week as you build up to that $52 deposit. Here’s the catch though – if that cash is staring at you and you suddenly need to send in $16 for school pictures, what are you going to do? Raid the jar. Every time.

Also, why not just set aside $26.50 each week or $115 per month to get the same amount?

52-week Money Challenge Pros

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Since we are all about budgets and frugality here, the truth is we find way more pros to the 52-Week Money Challenge than cons. It’s a great fit for anyone new to budget planning and for people who might have tight financial constraints today but expect more money coming in later (job changes, raises, etc).  The fact is, we’ve had moments of living from check to check and times where setting aside an extra $26.50 just wasn’t an option. So, this system can at least get you on track, with a much smaller initial commitment.

Bottom line: There’s not much downside to setting money aside, not matter how you get started!

Tips To Keep Your New Year’s Resolutions

New Year’s resolutions are a tricky thing. Lots of people love them, many avoid them at all costs, and most of us that do make them, break them within a shockingly short period of time.  In fact, a recent study suggests that less than half are able to stick it out a full month!

Rather than let that turn you away from New Year’s resolutions, let’s look for the opportunities to make them stick. The most common New Year’s resolutions revolve around weight loss, financial goals, and jobs. So, with these three categories in mind, here are some specific tips to keep your New Year’s resolutions this go around!
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