Monthly Archives: December 2015

3 Reasons to Drop Authorized Users from Your Credit Card

 Reasons to Drop Authorized Credit Card Users | Money Savvy Living

What may have seemed like a good idea at the time that you allowed your loved one or friend to consolidate on your good credit and make purchases using your credit card, may end up not being the best decision ever.  Sometimes those authorized users begin to take advantage.

 

Sometimes dropping authorized users from your credit card completely makes sense. For many, it’s more of an emotional and painful decision rather than a financial one. Still, sometimes managing multiple cardholders becomes more like a nightmare and taking a few off is reasonable.

 

Here are three signs, perhaps, it’s time to drop an authorized user on your card:

 

They frequently max out: Suppose you’ve added your teenaged kids as authorized users, but they constantly overspend. This would undoubtedly put a strain on your household budget and hurt your credit utilization ratio. Such a spending behavior would hit you and your kids’ credit scores and push you towards credit card debt trouble.

 

Before taking action, talk to them and ask them to keep the expenses as low as possible. You can also set limits for different users if your creditor allows this. If overspending continues to be a problem, it may be time to drop your kids off your account.

 

You are parting ways: After a relationship break-up, most people forget to remove their ex as an authorized user on their credit card accounts. If you make this mistake, you’ll be liable for any debt he or she accrues using the card, and any activity of the card will still affect both of your creditworthiness.

 

So it’s better to take your ex off your accounts once you part ways. Also, ask your ex to do the same. Don’t forget to change your account passwords as well. Alternatively, close any and all joint accounts so neither of you will have to deal with any future repercussions.

 

They are financially self-reliant: It’s a great way to help teach your kids fiscal responsibility and a way to monitor their spending before they obtain their own credit; however, it’s meaningless to keep them on your accounts forever. It’s better to remove them from your account once they become financially independent and acquire two or three years of positive credit history under their belts.

 

 

*This is a guest post from Andy Masaki

Author Bio: Andy Masaki is an editor with Oak View Law Group and contributes specifically on personal finance topics. You may find his writings at Comparecards, Realmoneyanswers, Familyshare.

 

Share the Wealth Sunday Link Up {#36}

Share the Wealth Sunday | Money Savvy Livng Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It’s that time of the week again: Share the Wealth Sunday Link Up time! I look forward to sharing (and learning!) many great money saving ideas again this week! Come visit us on social media and say hi! We’d love to get to know you more! It would be great if you would follow us too: Share the Wealth Sunday | Money Savvy Living

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Mom | Facebook | Pinterest | Twitter | Google+ | Instagram

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
  • Follow your hosts on Facebook and other social media—we want to stay in touch!
  • Link your post back to this site so others will know about the party each week!

 

Feature:

Share The Wealth Sunday 36 | Money Savvy Living

East, Drink & Save Money: Why My Son Doesn’t Have Any Presents Under the Tree

Fun Money Mom: 6 Valuable Tips for a Successful Kitchen Remodel

Money Savvy Living: 10 Ways to Avoid Gaining 10 Pounds this Holiday Season

Share the Wealth Pinterest Group Board:

Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.

Also, don’t forget to follow your Share the Wealth Sunday hosts on Pinterest too:

Hannah // Lisa // Gina

 

Share the Wealth Facebook Page:

Check out our Share the Wealth Facebook page! Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We’d love for you to join us!

Round Up:

Each week, I will pick a few awesome posts from the week before to share with you. That will mean additional exposure for your post and blog! Here some of my favorites from last week:

Crock Pot Chocolate Almond Fudge

Why Your Kids Needs An Allowance

The Coming of the Christmas Lamb

 

 

Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:

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Share the Wealth Sunday Link Up {#35}

Share the Wealth Sunday | Money Savvy Livng Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It’s that time of the week again: Share the Wealth Sunday Link Up time! I look forward to sharing (and learning!) many great money saving ideas again this week! Come visit us on social media and say hi! We’d love to get to know you more! It would be great if you would follow us too: Share the Wealth Sunday | Money Savvy Living

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Mom | Facebook | Pinterest | Twitter | Google+ | Instagram

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
  • Follow your hosts on Facebook and other social media—we want to stay in touch!
  • Link your post back to this site so others will know about the party each week!

 

Feature:

Share The Wealth Sunday 35 | Money Savvy Living

East, Drink & Save Money: Christmas Morning Breakfast Casserole

Fun Money Mom: Spinach, Prosciutto, and Mozzarella Triangles

Money Savvy Living: Christmas in Switzerland: Traditional Linzer Cookies

Share the Wealth Pinterest Group Board:

Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.

Also, don’t forget to follow your Share the Wealth Sunday hosts on Pinterest too:

Hannah // Lisa // Gina

 

Share the Wealth Facebook Page:

Check out our brand new Share the Wealth Facebook page! Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We’d love for you to join us!

Round Up:

Each week, I will pick a few awesome posts from the week before to share with you. That will mean additional exposure for your post and blog! Here some of my favorites from last week:

The Best Apps to Teach Kids About Money

How to Start an Investment Portfolio When You’re Broke

5 Strategies to Eliminate Debt

And my favorite Christmas post this week: Christmas In My Farmhouse Kitchen

 

 

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Christmas in Switzerland: Traditional Linzer Cookies

Christmas in Switzerland: Traditional Linzer Cookies

Christmas will soon be here and my son’s class is studying Christmas around the world—and how countries celebrate Christmas similar to and different from right here, in the United States.

So my son wanted to choose a country that reflects our heritage.  We have quite a long list, mostly from European decent: German, French, English, Irish…. and Switzerland.  The ironic thing is, while researching this project, we have learned a lot about how the Swiss celebrate Christmas—and apparently, none of those traditions continued with our ancestors when they came to the United States.

Part of the project was to learn about the culture and traditions and another part of the assignment was to make a traditional cookies and bring in to share with the class.  We may need to start the tradition of making Linzer cookies for Christmas every year… because they are just so good!

Linzer Cookies

Linzer Cookies

Ingredients

  • 2 cups all-purpose flour
  • 2/3 cup finely ground almonds (approx. 2 oz.)
  • 1/4 tsp ground cinnamon
  • 1 cup (2 sticks) softened butter, room temperature
  • 2/3 cup granulated sugar
  • 1 egg
  • 1/2 tsp pure vanilla extract
  • 1/2 cup raspberry jam
  • confectioner's sugar (optional)

Instructions

  1. Grind almonds in small coffee grinder or food processor.
  2. In a small bowl, combine flour, almonds, and cinnamon, set aside.
  3. In a large bowl, beat butter and sugar with electric mixer until light and fluffy.
  4. Add egg and vanilla, mix well.
  5. Add flour mixture; mix only until incorporated.
  6. Divide dough into two balls.
  7. Wrap in plastic wrap and refrigerate until dough is firm enough to roll.
  8. Preheat over to 350 degrees F.
  9. On floured surface, roll out one ball of dough until it is around 1/8 inch thick.
  10. Use round cookie cutter on half the dough (this will the bottom of the sandwich cookie).
  11. On the other half, use the round cookie cutter with the insert (this will be the top of the sandwich cookie).
  12. Transfer to parchment paper-lined cookie sheets.
  13. Bake 10-12 minutes or until slightly golden brown.
  14. Cool on cookie sheet for a couple of minutes before removing.
  15. Invert bottom cookie and spread with jam.
  16. Dust the top cookies with confectioner's sugar and gently sandwich cookies together.
Schema/Recipe SEO Data Markup by Yummly Rich Recipes
http://moneysavvyliving.com/2015/12/16/christmas-in-switzerland/

Of course, you can use your own cookie cutters, but we bought a Linzer cookie cutter set (it was only $5 at Walmart) because we wanted them to be perfect.

Linzer cookie cutter set

We cut them out in even numbers for the sandwiches, putting the dough back in the refrigerator to chill in between rolling it out and baking.

After the cookies cool, sprinkle powdered sugar over the tops.

Linzer cookie recipe | Money Savvy Living

Then place on the bottom cookie with jam.  We used raspberry jam that has seeds, and it was delicious, but you can opt for seedless jam.

Linzer cookie recipe | Money Savvy Living

Share the Wealth Sunday Link Up {#34}

Share the Wealth Sunday | Money Savvy Livng Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It’s that time of the week again: Share the Wealth Sunday Link Up time! I look forward to sharing (and learning!) many great money saving ideas again this week! Come visit us on social media and say hi! We’d love to get to know you more! It would be great if you would follow us too: Share the Wealth Sunday | Money Savvy Living

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Mom | Facebook | Pinterest | Twitter | Google+ | Instagram

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
  • Follow your hosts on Facebook and other social media—we want to stay in touch!
  • Link your post back to this site so others will know about the party each week!

 

Feature:

Share The Wealth Sunday 34 |Money Savvy Living

East, Drink & Save Money: 4 Ways to Spread Cheer and Save Your Wallet This Holiday Season

Fun Money Mom: Peanut Butter Cookie Truffles

Money Savvy Living: 10 Ways to Avoid Overspending This Christmas

Share the Wealth Pinterest Group Board:

Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.

Also, don’t forget to follow your Share the Wealth Sunday hosts on Pinterest too:

Hannah // Lisa // Gina

 

Share the Wealth Facebook Page:

Check out our brand new Share the Wealth Facebook page! Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We’d love for you to join us!

Round Up:

Each week, I will pick a few awesome posts from the week before to share with you. That will mean additional exposure for your post and blog! Here some of my favorites from last week:

9 Creative Ways to Give this Christmas  So important to remember to GIVE and not just think about all the things that you want to RECEIVE… great read!

DIY Sparkly Mini Wreath Makes a great ornament, napkin ring, present topper, and more!

Christmas Idea House  You have to check out the Christmas tree above the fireplace mantle… assorted red drawers/boxes that hold greenery, ornaments, and lanterns.  LOVE this!

 

Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:

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10 Ways to Avoid Gaining 10 Pounds this Holiday Season

10 Ways to Not Gain 10 Pounds over the Holidays | Money Savvy Living

 

Now that we are in early December, I am really starting to think about… drumroll please…. weight gain.

 

You probably thought that I was going to say Christmas, didn’t you? Well, you are sort-of right. The weight gain that I am thinking about is actually associated with Christmas and New Year’s…and to be perfectly honest, Thanksgiving and Halloween, as well.

 

This time of year is absolutely horrible to my body.

 

It is getting colder. So I know the number of days that I will have outside—and the more active lifestyle that the outdoors are conducive to—is fading away. I will be wearing big, bulky sweaters soon anyways, so I can just hide those few extra pounds and not worry about my weight until swimsuit season rolls around again.

 

We have soooo much candy from Halloween. I have three kids, who each hit the candy jackpot on October 31. Yes, I know that was well over a month ago, but the candy still lingers in the pantry… the candy is literally just staring at us every time we open the cupboard. I’m pretty sure the kids hear it calling their names because they ask several times a day if they can have a “treat.” And even though I can’t remember the last time that I actually bought a candy bar for myself, when these little bite-sized treats are around, it is very easy to tell myself that I can have one… or two, it’s really just a bite anyways, not very many calories or fat could possibly even be in something so small…

 

I want to enjoy the holidays. Christmas is coming. I don’t want to have to worry about counting calories at every family gathering or party that I attend. After all, nothing celebrates the birth of Jesus and ringing in the new year like excessive gluttony.

 

It is really easy to feel complacent about it too. I mean, these are all really good excuses as to why I will likely gain weight over the next few months, right?

 

Ummm, NO.

 

This year, I am making a commitment to not allow myself the excuses and I am taking action. Now, I started before Halloween, but it’s still not too late to either change your eating habits, or lay out a plan, before Christmas to help you avoid gaining that extra holiday weight.

 

I am not starving myself to do this though. I am eating somewhat normally, but have just tweaked things a bit—and I have lost five pounds in the last six weeks. Ok, that may not sound like much, however, I lost weight instead of gaining it through Halloween and Thanksgiving—and that’s a pretty big deal.

 

I have decided to make certain lifestyle changes that I can live with and not feel that I am depriving myself or starving my body—because, ultimately, your body will reject that and you may end up gaining more weight than what you lost when you decide to stop “dieting.”

 

So what am I doing? How am I implementing small changes into my lifestyle? Here are 10 simple things that I am doing—and anyone can do—to be healthier and avoid the holiday weight gain:

 

#OneSimpleChange

#OneSimpleChange

Wear an activity tracker. Everyday. Simple, right? Throughout the day, I find it quite motivating to see my progress and if my steps are low, I know to pick it up a bit and go for a walk outside, get on the treadmill, or do something with the kids (they are always begging me to play soccer or basketball or catch…)

 

Drink a protein shake in the morning. I am not a breakfast person. Never have been. But, if I don’t have anything breakfast, I am so hungry by lunch time that I tend to eat too much or just make terrible, unhealthy choices because I simply want to eat something—anything—and the unhealthy choices are typically convenient. Drinking a breakfast shake gives my body the feeling of being satisfied because it takes away the hunger factor. Now, I have tried several different types of protein powder and definitely don’t like the ones that are infused with manufactured vitamins and minerals. Those tend to have a metallic-taste to me, and give me a headache. Plus, if it is something that I am going to barely be able to choke down, I can tell you that I won’t keep the habit as a part of my life. That is why I love the Complete Shakes from Juice Plus+. (Just so you know, I don’t recommend these because I am a consultant with the company, I am a consultant with Juice Plus because I love their products so much—and I have been trying different products and making a smoothie for breakfast since I was in college, so I have tried a lot!) They are whole food based—no artificial fillers, colors, or flavors—and they actually taste good, so this is a habit that I can keep.

 

protein smoothie

 

Take a whole food supplement. Studies show that you are basically wasting your money on vitamins and supplements unless you are buying whole food supplements. In fact, a study by The University of Texas MD Anderson Cancer Center states, “Whole foods contain a wide array of nutrients including vitamins, minerals and a number of other biologically active compounds, collectively known as phytonutrients. These phytonutrients, such as 3,3′-diindolylmethane (DIM) in broccoli or isoprenoids and polyphenols in other vegetables, may work in concert to provide the best support for cancer prevention and control.” A whole food supplement is just that, a supplement to your diet. It does not replace eating healthy, but it does help to bridge the gap in your diet from what you are actually getting and what you should be getting.

 

Reduce the amount of processed foods that you eat. Many times, we turn to processed foods because they are basically dinner-in-a-box—they are convenient. While they may save you a bit of time, the nutritional value is definitely lacking… and you usually pay a bit of a premium for the convenience. Whole foods are foods that are as close to their natural state as possible. For example, when you eat an apple, you are getting all the vitamins, minerals and nutrients that are naturally occurring in that particular food. When foods are processed, they have been refined in some way. The natural form has changed, and through this processing or refinement, the naturally occurring vitamins and minerals may have been stripped away, so you are only getting the nutrients from what is left.

 

Drink more water. This may be the easiest thing that you can do to improve your health. Simply. Drink. Water. There are several health benefits of drinking water, including:

  • Water Helps Maintain the Balance of Body Fluids
  • Water Can Help Control Calories
  • Water Helps Energize Muscles
  • Water Helps Keep Skin Looking Good
  • Water Helps Your Kidneys
  • Water Helps Maintain Normal Bowel Function

If you are looking for more than just “plain” water to add to your diet, you may want to check out why some people drink salt water or lemon water

Read nutrition labels. Making healthy food choices starts by knowing what is in the food that you are eating. Make choices that are: gluten-free, organic, no preservatives or added nitrates, no artificial colors, and no artificial flavors.

 

sugar and weight gain

 

Cut down on your intake of soda and alcohol. Just think of all the extra sugar and calories that you are consuming when you drink a can of pop. Not only are there health problems associated with drinking soda, such as a link to obesity, kidney damage, certain cancers, and even elevated blood pressure, but studies have also shown that you can actually lose weight when you do nothing else besides stop drinking soda.

 

Get enough sleep. It is sometimes hard to see the immediate connection between sleep deprivation and potential weight gain, but your body needs enough time to rest and repair so that you are able to lead an active and healthy lifestyle. If you are tired, then you may not have the energy to cook a healthy meal and may pick up fast food instead. You may also feel like you don’t have the energy to work out or be active, so you would choose to sit on the sofa and watch TV rather than going for a walk… and those choices to eat the fast food and be a couch potato, in turn, make you feel even more sluggish.

 

healthy snack choice

 

Make healthy snack choices. Instead of picking up a bag of potato chips, reach for fruits and veggies. It does take a bit of planning and work sometimes to make these snack available. But if you have a container in your refrigerator with carrot and celery sticks, pre-washed grapes, or apple slices, it is easier for you—and your kids—to reach for a healthier snack. I happen to just love these little California mandarin oranges… they are so sweet it can cure your sweet tooth as well—a much better choice than a cookie!

 

Breathe deep. Did you know that breathing exercises can help to reduce stress and anxiety, stimulate energy, and benefit physical and emotional health? And all of these things can help contribute to weight loss. Try these different breathing exercises, and breathe your way to better health:

  • Deep Abdominal Breathing: Slow breathing exercises may affect corticol activity and help reduce anxiety, according to the report of A.W. Yuen and J.W. Sanders in “Can Slow Breathing Exercises Improve Seizure Control in People.” Shallow breathing can occur during times of stress. Deep abdominal breathing, which brings the breath deep into the belly, helps counteract shallow breathing and creates a sense of calm. Try this deep abdominal breathing technique to reduce stress and regain focus on your weight loss goals. Sit in a comfortable position and begin by slowly exhaling through your nose for a count of five. Let all the air in your abdomen out and imagine your stomach fully deflating. Pause at the bottom of the breath for two counts then slowly inhale for a five count, allowing your abdomen to fill back up with air. Repeat five to 10 times.
  • Bellows Breathing Exercise: The bellows breathing exercise stimulates energy. Also referred to as the fire breath or stimulating breath technique, this exercise activates the lungs and chest to allow for normal breathing to occur, according to Marcelle Pick, OBGYN, NP in “Deep Breathing: The Truly Essential Exercise.” Perform the bellows breathing exercise by sitting up straight in a chair. Close your mouth and breathe in and out rapidly. Imagine your breath moving similarly to a bike pump. Continue the rapid breathing for up to 15 seconds to stimulate energy. Try performing this technique for a boost of energy before your workouts or cardio exercise.
  • Three-Part Breathing: Breathing exercises benefit physical and emotional health. Use breathing consciously to influence the involuntary nervous system, which regulates bodily functions such as digestion and circulation. Try the three-part breathing exercise to influence your health and well-being. Begin by sitting comfortably. Exhale through your nose and slowly let the air flow out of your body. Release the air in a wave movement by letting the air out of the chest first, then the upper abdomen, and finally the diaphragm. Pause for two counts, then inhale slowly, reversing the order. Repeat for five to 10 breaths.

 

While I have this plan in place to live a healthier lifestyle, I will still be happy to partake in all the Christmas meals and goodies that will be around. Totally depriving yourself is not good, but overindulging isn’t an option either. As with anything—keep a healthy balance in mind.

 

#OneSimpleChange

 

*This article does contain affiliate links, so if you choose to purchase through here, I will make a commission, although it does not increase the cost to you, the consumer.

Share the Wealth Sunday Link Up {#33}

Share the Wealth Sunday | Money Savvy Livng Do you have a great money saving idea—or want to hear what other people are doing to save money and still feel like they are living the good life—even on a budget? It’s that time of the week again: Share the Wealth Sunday Link Up time! I look forward to sharing (and learning!) many great money saving ideas again this week! Come visit us on social media and say hi! We’d love to get to know you more! It would be great if you would follow us too: Share the Wealth Sunday | Money Savvy Living

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Mom | Facebook | Pinterest | Twitter | Google+ | Instagram

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun! Check out the other great money saving ideas…and share/interact with as many as you can!
  • Follow your hosts on Facebook and other social media—we want to stay in touch!
  • Link your post back to this site so others will know about the party each week!

 

Feature:


Share The Wealth Sunday 33 | Money Savvy Living 

East, Drink & Save Money: Mama J’s Spicy Sausage Meat Sauce

Fun Money Mom: Spread Cheer for the Holiday + Giveaway

Money Savvy Living: Christmas Ornaments that Your Kids Can Make that You Will Actually Want on the Tree

Share the Wealth Pinterest Group Board:

Check out our Share the Wealth Pinterest Group Board! Come on over and pin your most recent posts or other great pins that you want to share with the group. This is a great way to get a little boost for some of your pins, but make sure that you return the Pinterest love and pin something from a few other bloggers.

Also, don’t forget to follow your Share the Wealth Sunday hosts on Pinterest too:

Hannah // Lisa // Gina

 

Share the Wealth Facebook Page:

Check out our brand new Share the Wealth Facebook page! Come on over and mingle with other bloggers, share your content, find other great content to share and ask questions/get advice. We’d love for you to join us!

Round Up:

Each week, I will pick a few awesome posts from the week before to share with you. That will mean additional exposure for your post and blog! Here some of my favorites from last week:

Christmas Candle Sleeve from a Soda Bottle Such a cute idea and great way to up-cycle a used plastic bottle

How to Pay Off Student Loans Early

10 Ways Your Children Can Serve Others I love this because teaching your children to give at Christmas is just as important as being excited about what they will receive.

7 Simple Ways to Improve Your Health at No Cost Are you doing these things?
Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:

 

 

Share the Wealth Sunday grab button

Link Up:


Christmas Ornaments that Your Kids Can Make that You Will Actually Want on Your Tree

Christmas Ornaments that Your Kids Can Make that You Will Actually Want on Your Tree

Okay, let’s just start off by admitting it: some of the ornaments that your kids make at school are not exactly what you want on your Christmas tree. Of course, they are from your child, so you love them and every single gift that they make for you; however, they don’t always match your Christmas décor.

For example, last year, my oldest son brought home, wrapped as a Christmas present, a square of orange paper with his school picture on it, framed with orange and green crayons. Now, I’m not exactly sure what green and orange crayons have to do with Christmas, but of course, we hugged him and thanked him for the gift. Maybe all the other kids got the red and green, who knows. But I didn’t want to question him too much and make him feel like I didn’t like it, so I said that this would be a great ornament for the “kid tree.” This is a tree that my husband set up on our basement that has colorful, blinking lights and all sorts of colorful ornaments—the ones that don’t match my traditional tree in the living room. Orange and green fit right in on the kid tree.

Now, I know that some of you are starting to think that I am a horrible mom for not proudly displaying every ornament on the main Christmas tree. But, I know that you probably have a place for these ornaments too: maybe the back of the tree, perhaps you gifted it to Grandma and Grandpa last year because you know they will put it on their tree and it gets you off the hook… but you know what I am talking about.

Christmas Ornaments Collage |Money Savvy Living

If the stuff that your kids bring home isn’t always the most festive of Christmas ornaments, you can make some that are easy, inexpensive, and ones that you will want to put on the Christmas tree.

 

Applesauce & Cinnamon Ornament

Some of my favorite ornaments on the tree are the cinnamon and applesauce ornaments.  You can find the recipe for these ornaments here.  Not only can you make any shape that you want, but you can decorate them in any way that you would like as well… and the cinnamon makes your house smell wonderful!

Cinnamon Glitter Ornament

 

Cardboard Ornament

I love this ornament because it looks nice but it is simply cardboard with photo copied background (in this case, the Bible verse from Luke 2 about the birth of Jesus) with a simple nativity being cut out and glued on top. The entire ornament is coated with Mod Podge.
Cardboard ornament

 

Paper Plate Angel

This paper plate angel is so cute with a picture of my son for the angel’s face. A doily is cut in half and glued on the back for wings, a pipe cleaner halo, and glitter and sequins to decorate.
Paperplate angel

 

Painted Wooden Ornament

These wooden ornaments can be bought at your local craft store (very inexpensively!). Your child can paint them any way they’d like and can also be decorated with glitter to add a bit of sparkle.
paint and glitter wooden ornament | Money Savvy Living

 

Pipe Cleaner Candy Cane

So quick and easy! Your child will have fun putting beads on a pipe cleaner to make a candy cane. Just turn the ends of the pipe cleaner up at each end and you have a cute, homemade ornament!
pipe cleaner and bead candy cane

 

Paper Angel Ornament

This angel ornament is made, much like cutting out a snowflake. Fold the paper in half and create your (half) outline of the angel and allow your child to cut the different patterns on the angel. Open up and run a pip cleaner through some of the holes in the design. Of course, these angels could be painted with silver, gold, or decorated with glitter if you’d like.
Paper Angel and pipe cleaner Ornament

 

Fingerprint Snowmen

Using white paint on your child’s fingers, these snowmen will show up perfectly on any red, blue, or green ornament. Just let the pain dry and then decorate the snowmen by drawing on faces, scarves, hats, etc.
Fingerprint Snowmen | Money Savvy Living

 

Handprint Ornament

Of course, you can make the plaster, or by a handprint kit, like this Child to Cherish Handprint Ornament.  This is a wonderful keepsake that you will cherish for years
Handprint Plaster ornament

 

Iridescent Cellophane Ornament

Again, just a simple wooden ornament, but instead of painting, this one is decorated with iridescent cellophane. Just add glue and then sprinkle the iridescent shreds on top.

Iridescent Cellophane Glitter Flakes on Wooden Ornament | Money Savvy Living

 

Porcelain Painted Ornament

You can make a Christmas tradition of going to a local pottery kiln or simply paint and bake your own ornaments at home, with a kit like this by MindWare.

Porcelain Painted Ornament | Money Savvy Living

 

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