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.

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Emotional Stress & Spending Habits🤑😫

Emotional stress can negatively contribute to the way you spend and budget money. When I am stressed, I tend to buy fast food everyday. This is definitely not a good financial habit. Is there anything you impulsively spend money on when you’re stressed?

Below is a link with a few tips on how to reduce stress.

http://www.webmd.com/balance/guide/blissing-out-10-relaxation-techniques-reduce-stress-spot

A few things you can do when you’re stressing to avoid impulsively spending money, take the money that you want to spend and put it into a savings or a money bucket. You can also go to the grocery store and purchase staple items for your home that you will eventually need. I do this sometime when I really just want to spend some money and you always need groceries right? At least that’s my way of justifying it. LOL😉

The biggest advice I can give about impulsively spending when you’re stressed is to get to the root of the problem. Find out why you are stressing and why that stress makes you want to spend money.  There are many reasons that people stress; family problems, physical health issues, mental health issues, boredom, etc.

Take time to get to know yourself. Know what you like, what you don’t like, and what you are or aren’t willing to accept in your life. Doing this what help you recognize the issue and find a solution to your stress.

Rest easy,  trouble don’t last always📿

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.