Invest in your future, you will survive today!

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Today, take time to think about what you are spending money on. Do you buy things outside of  paying your bills? You may be surprised to find out  how much extra money you actually have.

When you are struggling to make ends meet, buying a $5 dollar Starbucks, a pack of cigarettes, or a bottle of wine can possibly add up to hundreds or even thousands of dollars per year and quite possibly be the reason why you are struggling to begin with, think about it.🤔

Make a short-term goal to eliminate this thing or activity that is costing you the little bit of extra money you may have. If you get your nails done once every two weeks, try for one month to save that money and put it away. In only a short time, you’ll realize that you actually have extra money that you can save, it’s a matter of, if you really want to.

Go on a money diet. Make a goal of a few weeks or a month. Eliminate everything extra that you spend money on that is not a necessity. This is a great challenge, even for myself, but doing this on the regular basis will help you build up to saving for a larger financial goal.

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Track your money,  become aware of what you actually to spend. You can do this! It just takes a little bit of time and discipline.

Kids Can Work Too!👦🏽👧🏽

Children should be taught how to be responsible. They learn from things they see. Often, if parents are financially irresponsible, the children will become financially irresponsible.  If they are taught the value of money, and how to earn it,  they will better understand the responsibility of having and keeping it.

Below, I have included  a responsibility chart.  It is a little different from a normal chore chart, this chart more so helps teach basic responsibility for children.

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Teaching children to be responsible shows them that you not only care about their well-being now but you also care about their future. Giving a child chores provides the opportunity for them to learn what it takes to maintain a home. Below is a list of age-appropriate chores  for children. I love this list because it helps me keep my kids on track with chores that they are capable of completing.Chore-Chart-2.jpg

I’m a firm believer that teenagers should be employed. This is the last chance prior to adulthood that can help them understand the reality of the next step in their lives.  Below is a list of companies that hire teenagers.  This list varies from state to state and Country to Country, but it gives you a head start on helping your children find employment.

1. Old Navy – Age:16 (Online App)

2. StarBucks – Age:16 (Paper App)

3. Hollister – Age:17 (Online App)

4. KFC – Age: 16 (Paper App)

5. McDonalds – Age: 15 9months (Paper/Online app)

6. Taco Bell – Age: 16 (Paper App)

7. Boston Market: Age:15 (Online App)

8. Chick Fil A – Age:14 (Paper App)

9. Toys R Us – Age: 16 (Online App)

10. CVS – Age: 16 (Online)

11. Wendy’s- Age: 16 (Paper App)

12. Target – Age: 16 (Online App)

13. Shop-Rite – Age: 16 (Online App)

14. Subway- Age:16 (Paper App)

15. Stop & Shop – Age: 16 (Online)

16. Wegmans – Age:18 (Online)

17. Chipotle – Age: 16 (Online)

18. Popeye’s – Age: 16 (Paper App)

19. Quiznos – Age: 16 (Paper App)

20. Lil Cesar’s – Age:16 (Paper/Online app)

21. Sonic – Age: 16 (Paper App)

22. What-A-Burger: Age: 16/17/18 (Paper/Online app)

23.Arby’s – Age:15/16 (Paper App)

24. Denny’s – Age: 16 (Paper/Online app)

25.GAP- Age: 16 (Paper App)

26. Cold Stone Creamery – Age: 16 (Online app)

27. Office Max- Age: 16 (Paper/Online app)

28. Office Depot – Age: 16 (Paper/ Online app)

29.Petco – Age:16 (Paper/Online App)

30. AMC 24 – Age: 16 (Online App)

31. Regal Cinemas – Age:16 (Online App)

32. Yogurtland – Age:16 (Paper App)

33. Dairy Queen – Age: 15/16 (Paper App)

34. Carvel Ice Parlor-Age:16 (Paper/Online app)

35. Party City – Age: 16 (Paper App)

36. Sears – Age: 16 (Online app)

37. K-Mart – Age: 16 (Online App)

38. Chuck E. Cheese – Age: 16 (Online App)

39. Amce – Age:16 (Online App)

40. JcPennys – Age: 16 (Online App)

41. Red Robin’s – Age: 18 (Paper/Online app)

42. Rita’s – Age: 15 (Paper / Online App)

43. Lowe’s – Age:18 (Online App)

44. Red Lobster – Age: 16 (Online App)

45. Olive Garden – Age : 16 (Paper App)

46. Publix – age 14 (in-store app)

As parents today, our job is harder than ever.  We have so many obstacles raising our children.  With all the outside influences, it can be difficult to raise wholesome and responsible children. We have to do our best and show our children our best everyday. They are watching not only what we say, but what we do.

Ballin’ on a Budget😎

So I have a confession, I love to shop! But, who doesn’t? There is a way you can have the things you want and still live within your budget. If you are truly serious about securing your financial future, the first thing you have to learn is financial discipline. The hardest part is saying no, especially when there is something you want.

I have a weakness for clearance sales! When I see an item with a reduced price tag, something in my brain triggers. I start having racing thoughts; why do I need this item or how I can use it? I basically convince myself to buy the item.

There are ways that you can shop for the things you need and not break the bank. Buying clothes off season is cheaper than buying clothes in season. For my children, when clothing becomes deeply discounted (like a winter clothes sale in March),  I like to purchase the next size up so that when my kids grow, they always have new clothes and I don’t have to rush out and buy regular priced clothing.

There are plenty of great stores to watch for off-season sales, also when they discontinue items. Walmart, Old Navy, (If you’re military,  the Exchange), Target, Drjays.com, etc. You just have to do a little research to find out when these stores are getting rid of discontinued or off-season items.

Did you know there are places like hotels, rental centers, and banquet halls that have furniture, appliance, and other household item sales regularly? Call around, see if there are any happening near you!

Over time I have taught myself financial discipline by comparing the importance of things I may want now, to something that I want in the future. For example: A Coach purse is $200 dollars.  You can buy it now and have a pretty $200 dollar purse sitting in your closet, or, you can take the $200 dollars and save it for the down payment on the house you plan to purchase in the future. The choice is yours, but remember,  so is the consequence!