Monthly Archives: October 2016

Share the Wealth Sunday Link Up {#80}

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

Meet our Co-Hosts!  We are excited to welcome Carly and Morgan and we know that you will enjoy their money saving ideas too!

Share The Wealth Sunday Co-Hosts | Money Savvy Living
Carly at Carly On Purpose | Facebook | Pinterest
Morgan at Morgan Manages Mommyhood | 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!

 

Features:

Share the Wealth Sunday 80 | Money Savvy Living

Eat, Drink, and Save Money: Angel Hair Pasta with Butternut Squash & Bacon

Fun Money Mom: Candy Corn Bark

Money Savvy Living: Maple Sugar Cookies with Maple Icing

Share the Wealth Sunday 80 | Money Savvy Living

Carly On Purpose: 5 Reasons You’re Not Making Money with Your Blog

Morgan Manages Mommyhood: Pumpkin Ice Box Cake

Popular Posts from last week:

Share the Wealth Sunday 80 | Money Savvy Living

Saving Our Money: How to Save Big on Your Heating Bill This Winter

Medium Sized Family: 5 Ways We’ve Saved Money This Week

Joyful Savings: Why Everyone Should Have a Budget

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? 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! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

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 Your Recent Post to our Blogs’ Facebook Pages!

Yes! Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but if not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? Are you a mom that is just exhausted and needs a little energy boost? Me too! Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier, feel better, and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

 

Looking for real Work-from-Home Opportunities?

As a mother, the most important thing to me is being there for my kids. But I also have career ambitions and like the extra income… so I have created multiple streams of income for myself that I can build upon in my free time, and around my children’s schedules. Truly life changing! Here are a couple links from my blog that talk about my side businesses:

Start your own blog, and learn how to make money from blogging.

Make money from home while getting healthier and bridging the nutrition gap for your family

Start your own skincare business and help others who battle with feeling self-conscious because of a skin condition and better your financial situation.

 

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:

16 Ways I Made Money Without a Job in 2016

DIY Rustic Weathered Picture Frame

How to Make a Fabric Pumpkin

 

 

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

Big News!

We are so excited to launch Beautiful Budget Life in January! This will be a collaborative community of frugal bloggers with the best tips on how to save money… join us as a blogger to share your best money saving posts (more exposure for your blog!) or stop by just to read the great money saving ideas!
Beautiful Budget Life launch January 2017

You can join us now on social media:

Beautiful Budget Life   |   Facebook   |   Instagram  |  Twitter   |   Pinterest

Link Up:


Ways To Decrease Your Energy Bill This Winter

Ways To Decrease Your Energy Bill This Winter | Money Savvy Living

 

The leaves are changing colors, the days are getting shorter, and everything is being flavored with pumpkin spice. Why? Because winter is just around the corner.

 

Wintertime often evokes charming images of snow-covered mountains, holiday cheer, and warm hot chocolate by a fireside. Unfortunately, however, winter also delivers to homeowners a not-so-pleasant gift: an increased energy bill.

 

The last thing any homeowner wants is to worry about an expensive energy bill when he or she is already stressed about purchasing gifts for the entire family. After all, the holidays are supposed to be about giving, togetherness and relaxation, right? So give yourself one less thing to worry about this winter season and use these ways to decrease your energy bill this winter (so you can even afford to buy your sister’s coworker’s daughter’s dog the perfect gift).

 

Be Mindful of Unnecessary Electricity Use (And Peak Hours): You don’t have to be an energy-efficient guru to reduce your winter electricity bill, you just have to start with a few small tasks. Although it might be hard to get used to, try unplugging all devices that you do not actively use (i.e.  toaster, blender,  curling iron, etc.). These things can add up and will eventually increase your energy bill overtime. In fact, the United States Environmental Protection Agency reports that unused, but plugged in, devices waste over 100 billion kilowatt hours per year. So think again before deciding to leave your cell phone charging all night. It is also important to note that there are peak hours in the day where electricity is at its most expensive. Power companies charge more for electricity during these peak hours, usually between 6am to 10am and 3pm to 9pm, due to the fact that these are times when most homeowners are running their dishwashers, doing laundry and blasting their heaters. If you have a flexible schedule, consider changing the times you use the most energy to cut down on costs.

 

Lower Your Thermostat 2 Degrees: It can be tempting to crank up your heater to 80 degrees on those cold winter nights, but little do you know, wasting that heat is costing you a fortune. Consider setting your thermostat a few degrees below comfortable and add an extra blanket to your bed. Turning your heater down just two degrees, if you are running your heater for the majority of the day, can save you up to $180 per year.

 

Install A Tankless Water Heater: Traditional electric water heaters account for up to 11 percent of a homeowner’s total energy bill. They keep a tank full of water heated at all times, which is a big waste, especially for homeowners who spend most of their days at the office. A tankless water heater warms up water on demand and only as needed, which can save you the cost of having to keep 40 to 50 gallons of water consistently hot. A tankless heater typically uses 30 to 50 percent less energy than a traditional water heater and operates solely on natural gas. Another advantage of a tankless water heater is that it will provide a continuous flow of hot water. This means, if you want to reward your long day with 45 minute shower, go for it! While the upfront cost of a tankless water heater is more expensive, it is sure to keep your energy bill low for years to come.

 

Go Low-Flow: Installing “low-flow” appliances, such as sinks and showerheads, is another great way to keep your energy bill low during wintertime and beyond. Although the words “low-flow” don’t sound terribly appealing, most homeowners report that after a while, they barely notice a difference. Since low-flow appliances require less water, less energy is required to heat that water, ultimately saving you energy and money. A great tip to save you even more money is to insulate your water tank and then set the thermostat two degrees cooler. Because of the insulation, you won’t be able to tell the water is actually colder.

 

Although winter is still a few months away, it is never too early to start taking the steps that will lead you to a cheaper energy bill.

 

If you liked these great tips, you can also check out other articles that Than has contributed to Money Savvy Living:

Technology has made Buying a Home Easier for Millennials | Money Savvy Living

Technology has Made it Easier Than Ever for Millennials to Find Their Dream Home

 

*This guest post was contributed by Than Merrill, CEO of FortuneBuilders, former NFL player, author, and businessman.

Than MerrillBio: Than Merrill, CEO of FortuneBuilders, is one of the most successful real estate investors in the nation. As a graduate of Yale University and a former NFL player, Than attributes his success in sports, business, and investing to coaching and education. Than exhibited his real estate prowess as he starred on A&E’s Flip This House, is a highly sought after speaker, and bestselling Amazon author of “The Real Estate Wholesaling Bible.”  Merrill is also active in philanthropic efforts and started a non-profit charity, with his wife Cindy, called Equal Footing Foundation. In addition to his own charity, Merrill spearheaded the creation of FortuneBuilders Gives; the company’s philanthropic initiative to provide opportunities for employees and students to give back to their communities.

Connect with Than on social media:  Website \\  Twitter  \\  Google+  \\ LinkedIn

Share the Wealth Sunday Link Up {#79}

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

Meet our Co-Hosts!  We are excited to welcome Carly and Morgan and we know that you will enjoy their money saving ideas too!

Share The Wealth Sunday Co-Hosts | Money Savvy Living
Carly at Carly On Purpose | Facebook | Pinterest
Morgan at Morgan Manages Mommyhood | 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!

 

Features:

Share the Wealth Sunday 79 | Money Savvy Living

Eat, Drink, and Save Money: Southwest Grilled Cheese

Fun Money Mom: BOO It Forward

Money Savvy Living: Side Hustles that Will Actually Give You a Full Time Income

Share the Wealth Sunday 79 | Money Savvy Living

Carly On Purpose: Cleaning Hacks that Actually Work

Morgan Manages Mommyhood: Saving Time Versus Saving Money

Popular Posts from last week:

Share the Wealth Sunday 79 | Money Savvy Living

Medium Sized Family: 5 Ways We’ve Saved Money This Week

Sew Travel Inspired: The 10 Commandments for Wedding Guests

Courtney’s Cookbook: Mix and Match Protein Bites

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? 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! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

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 Your Recent Post to our Blogs’ Facebook Pages!

Yes! Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but if not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? Are you a mom that is just exhausted and needs a little energy boost? Me too! Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier, feel better, and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

 

Looking for real Work-from-Home Opportunities?

As a mother, the most important thing to me is being there for my kids. But I also have career ambitions and like the extra income… so I have created multiple streams of income for myself that I can build upon in my free time, and around my children’s schedules. Truly life changing! Here are a couple links from my blog that talk about my side businesses:

Start your own blog, and learn how to make money from blogging.

Make money from home while getting healthier and bridging the nutrition gap for your family

Start your own skincare business and help others who battle with feeling self-conscious because of a skin condition and better your financial situation.

 

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:

Apple Spice Cake with Caramel Frosting

Pumpkin Donut Muffins

Pumpkin Beef Stew

Budgeting for Millennials

 

 

 

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:


Maple Sugar Cookies with Maple Icing

Maple Sugar Cookies with Maple Icing | Money Savvy Living

 

Homemade cut-out iced sugar cookies have been one of my favorite sweet treats since I was a kid.  I remember my Grandma making these cut-out cookies for nearly every holiday… and they are my absolute favorite!  And I think your family will love them too.

 

Cut-out cookies can be tricky to make, so I’m going to share a few tips with you to make cut-out cookies so good, you will never want to buy a pre-made sugar cookie dough or mix again!

 

When you think of iced sugar cookies, you probably think about Christmas cookies, right?  And while I love to make beautiful Christmas cookies, I am putting a twist on it and making these sugar cookies with a great autumn flavor—maple!—and making them into football cookie pops for my son’s football team.  It’s their last game and I am on for snack, so I have to do something special, right?!

 

Maple Sugar Cookies with Maple Icing | Money Savvy Living

 

Maple Sugar Cookies with Maple Icing | Money Savvy Living

 

Okay, I know that my icing writing needs some work… I am definitely not a professional, but I think they turned out pretty good for my first time trying to write with icing…

 

Tip #1 Use a table mixer.  This is one of the only recipes that I actually get out the table mixer, but I don’t think that you can make these without it.  While you don’t want to over mix and make the dough too tough, it does need to be mixed until it is a stiff dough and a hand mixer just doesn’t do as good.

 

Maple Sugar Cookies with Maple Icing | Money Savvy Living

 

Maple Sugar Cookies with Maple Icing

Maple Sugar Cookies

3 ¾ cups sifted, all-purpose flour

1 tsp baking powder

1 ½ cups sugar

2 eggs

1 cup butter (2 sticks), room temperature

1 ½ tsp pure maple flavor

 

Preheat oven to 350 degrees.

In a bowl, stir together flour and baking powder.

In another bowl, beat butter with sugar until fluffy and light.

Beat in eggs and vanilla.  Stir in flour mixture, a third at a time to make a stiff dough.

Tip #2 For best results, refrigerate for 15 minutes before rolling out cookie dough.

Roll dough out on floured counter-top.  Make cookies approx. 3/8 inch thick.

Tip #3 Divide cookie dough into thirds.  Only roll out  one-third of the dough at a time.  This way, once the dough has been covered in flour and rolled out, the excess will be mixed with fresh dough (that has not been floured or rolled yet), so it keeps it from becoming too tough.

Bake 8-10 minutes.

 

Maple Icing

1 Tbsp butter, room temperature

1 tsp maple flavoring

2 ½ cup confectioners sugar

3 Tbsp milk

 

Beat butter, maple flavor, and confectioner’s sugar until smooth.

Add in milk 1 Tbsp at a time.

 

 

Tip #4 Make sure each batch of cookies is approximately the same size and thickness.  If cookies are different thickness or size, they will not cook evenly and you will have some that are overcooked, while others may be undercooked.

 

If I’m just making a regular batch of cookies, I usually make them about 3/8 inch thick.  For cookie pops, they need to be about half as thick because you will be layering them: place cut-out cookie dough on parchment paper, place cookie pop stick (which has been pre-soaked in water so the sticks don’t burn), then top with 2nd cut-out cookie dough, so the stick bakes in between the cookie layers.Maple Sugar Cookies with Maple Icing | Money Savvy Living

Tip #5 Bake cookies on parchment paper.  Ok, this may not be a secret, but baking cookies on parchment paper prevents the cookies from sticking to the cookie sheet.  No need to buy a liner, just use parchment paper.

 

Tip #6 Let cookies sit on baking sheet after you get them our of the oven for at least 30 seconds to 1 minute before trying to move to cooling rack.  This is especially important with cut-out cookies because you want them to maintain their shape.

Let cool completely before icing.

 

So I added a couple of store-bought treats and put together these festive goodie bags… because those boys are hungry after playing a rigorous game of football…

 

Maple Sugar Cookies with Maple Icing | Money Savvy Living

 

What a fun, festive, and tasty way to end the season!

 

ENJOY!

Side Hustles That Will Actually Give You a Full-Time Income

Side Hustles that will acutally give you a Full Time Income | Money Savvy Living

 

Isn’t it everyone’s dream to be able to work a side business and generate a full-time income?  I mean it would be sooo much easier to just roll out of bed and sit at your computer in your jammies all day and make money, right?  You’ve probably even heard people say, “I make money while I’m sleeping…”

 

And maybe they do.  But that doesn’t just happen overnight.  So, I want to set your expectations from the beginning.  This isn’t a get-rich-quick scheme.  These side hustles take time, energy, and effort.  But the potential that comes with these opportunities is great.  While they may start out as side hustles, they can turn into a full-time career.

 

Let’s talk about expectations first.  There are a few things that you need to keep in mind when starting a side hustle:

  1. It’s a marathon, not a sprint. It’s going to take time.  Sure, you could luck out and be the exception to the rule, but don’t expect that.  Understand that you are building a business—an asset—and it will take some time.  Give yourself a few years to grow your side hustle.
  2. Set goals. Give yourself a road map of goals.  Think about what you are going to do each day, each month, and each year to reach your goals.  Remember, what you do daily to reach your goals with what is going to matter in the end…
  3. You must believe in your business. Starting a side hustle needs to be an extension of you—it must be a passion of yours.  Something that you truly believe in.  Don’t set a goal to write a book if you hate writing and struggle to put a few sentences together on a loved one’s birthday card… sounds obvious, right?

 

Now you need to pick a side hustle.  So where do you start?

 

Side Hustles that will acutally give you a Full Time Income | Money Savvy Living

 

There are several things that you can start today to earn money:

  1. Photography—if you own a nice camera and love to capture beautiful moments, then starting your own photography business is a great option. Even as you are building a portfolio, you can make some money by offering less expensive photo sessions to families, weddings, senior pictures, etc.
  2. Start a blog. (You can find out how to do that here, in my step-by-step guide to starting your own blog.)  In this day and age of the internet, it is quite easy to start your own blog and write about whatever your favorite topic is, and get paid for it.  Of course, just because you have a blog doesn’t mean that you will be raking in the dough immediately.  But you can write and build your portfolio and following and then you can pitch to larger websites and get paid to write for them, place ads on your blog, write sponsored content, or even incorporate affiliate links into your posts.
  3. Start your own online FBA shop on Amazon. My friend Travis, over at Stuff Parents Like, has a great FREE mini course on how to start your own Amazon FBA business—and I actually know him and know that he truly makes money doing this!  He will layout the framework (you buy products and then ship them to Amazon to fulfill orders) and go over the pros and cons with you.  With an FBA shop, you don’t have to worry about shipping to customers or dealing with customer service issues, Amazon will do that for you… Before starting your own FBA shop, you should definitely stop by and listen to the mini course.
  4. Open your own online store. There are several platforms that offer you the ability to just create an account and then pay a fee when you list an items or when that item sells, or to create an online storefront for your very own products or brand.  Unlike the Amazon FBA, you are responsible for shipping and your own customer service policies, such as returns, etc.  Here are a few platforms that you might want to look into if you have some items to sell:
  • Ebay—new or used goods, can sell almost anything: electronics, books, clothing, jewelry, video games, toys…
  • Poshmark—new or used women’s clothing and accessories
  • Etsy—handmade or vintage goods
  • Shopify—online, social media options, and in-store
  • Spreadshirt—online t-shirt shop
  1. Start your own virtual franchise. So what is a virtual franchise, and how is it different than an online store?  Well, both a virtual franchise and an online store are e-commerce platforms, meaning the majority of sales happen online.  The difference that the franchise offers you is to be part of a business that is already established, so you have your own online store front to sell products from a particular company.  You typically don’t have to worry about shipping out products, buying or holding inventory, or customer service—because the company does that for you.  But the nice thing about the franchise aspect is that you actually do own a little piece of the business for yourself—you are building your own business and creating your own asset!  And the part that I love about this the most, is the asset that is built can be passed along to your children (or whomever you want) someday.  So not only can you create a stream of income for yourself in the present—and into the future for retirement—but you can pass it along to your kids and they can continue to grow the business and generate the income!  Once I figured this out, I partnered with two companies and now have virtual franchises that are generating current income and building my own assets to pass along to my kids someday—and I have the freedom of being a work-at-home mom, rather than punching the clock for someone else!  I literally researched several companies and found these two that aligned with my goals (because, after all, you have to believe in the company and products that you are partnering with):
  • Juice Plus+ —this company is one which offers whole food supplements from dehydrated fruits and vegetables, in capsule form and chewable form (so even kids can take them—and that’s a big deal in our house because my youngest son literally only eats pizza and corn dogs, and the occasional banana—and now I can at least feel like he is getting some good nutrition in…) The whole food aspect was important to me because I have always been interested in eating healthy and taking supplements and protein shakes, but many of the “health” products that I tried in the past, gave me headaches because the vitamins and minerals were lab-created, not naturally occurring.  I always wondered why something “healthy” for me gave me headaches and made me feel terrible… what I didn’t realize was the difference it would make to get the vitamins and minerals straight from the source—fruits and vegetables!  Within a few months of taking these products, I felt better and noticed changes in my body (I have been migraine-free for over one year now and have noticed other positive changes too), so when you find something that is good, good for you, and has no side effects because it is literally the same as eating fruits and vegetables, that’s a company that I know I can feel confident about partnering with.  Click here to find out more about starting your own Juice Plus+ Virtual Franchise.
  • Rodan+Fields—I had been looking for a good skincare regimen for quite a few years now… you know how those fine lines start to appear in your 30’s, well, I was on a mission to find something to slow that aging process… and it took a while, but I found it with Rodan+Fields. I had tried several skincare products and many of them caused me to break out or even caused those little white bumps around my eye area.  So when I tried Rodan+Fields and didn’t break out and was able to use an eye cream without experiencing the little white dots, I was very excited!  Not only did their products not have a negative effect on my skin, but I saw a great improvement!  Does anyone else find it really frustrating to spend money on skincare that is supposed to be helping, and in fact, the only result more issues??  So when you find products that work, you want to stick with them!  Because I am most concerned with diminishing fine lines and facial redness, I use the Soothe and Redefine regimens… fine lines are fading away, any puffiness around my eyes are gone, my skin has a much more even tone—and the best result—I no longer wear foundation!  Of course, they have more lines of skincare to help with sun damage and even acne and post-acne scarring, which I personally have friends that have seen tremendous results using those regimens.  Again, a company that I saw and felt the benefits of the products and could confidently partner with… Click here to find out more about starting your own online skincare business with Rodan+Fields.

 

DO SOMETHING TODAY | Money Savvy Living

Are you looking to work from home or start a side business?

What are you waiting for?

Take the leap…

 

 

Share the Wealth Sunday Link Up {#78}

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

Meet our Co-Hosts!  We are excited to welcome Carly and Morgan and we know that you will enjoy their money saving ideas too!

Share The Wealth Sunday Co-Hosts | Money Savvy Living
Carly at Carly On Purpose | Facebook | Pinterest
Morgan at Morgan Manages Mommyhood | 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!

 

Features:

Share The Wealth Sunday 78 | Money Savvy Living

Eat, Drink, and Save Money: Easy Halloween Party for Kids

Fun Money Mom: BOO It Forward with a DIY Cat Trick or Treat Bucket

Money Savvy Living: 3 Ways to Creatively Diversify Your Investment Portfolio

Share The Wealth Sunday 78 | Money Savvy Living

Carly On Purpose: 6 Habits of People Who Stay Debt Free

Morgan Manages Mommyhood: Chicken BOO-dle Soup

Popular Posts from last week:

Share The Wealth Sunday 78 | Top Posts | Money Savvy LivingGraceful Coffee: How to Increase Your Blog Traffic with Pinterest

Create with Joy: Total Family Makeover Book Review

Simply {Darr}ling: Cranberry Apple Moscow Mule Cocktail

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? 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! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

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 Your Recent Post to our Blogs’ Facebook Pages!

Yes! Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but if not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? Are you a mom that is just exhausted and needs a little energy boost? Me too! Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier, feel better, and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

 

Looking for real Work-from-Home Opportunities?

As a mother, the most important thing to me is being there for my kids. But I also have career ambitions and like the extra income… so I have created multiple streams of income for myself that I can build upon in my free time, and around my children’s schedules. Truly life changing! Here are a couple links from my blog that talk about my side businesses:

Start your own blog, and learn how to make money from blogging.

Make money from home while getting healthier and bridging the nutrition gap for your family

Start your own skincare business and help others who battle with feeling self-conscious because of a skin condition and better your financial situation.

 

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:

Apple Spice Cake with Caramel Frosting

Pumpkin Donut Muffins

Pumpkin Beef Stew

Budgeting for Millennials

 

 

 

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:


3 Ways to Creatively Diversify Your Investment Portfolio

3 Ways to Creatively Diversify Your Investment Portfolio | Money Savvy Living

 

When you think of investments, you probably think of putting money in a specific stock or mutual fund.  While those are probably the most widely known investment vehicles, there are a few other investment options that can help you to effectively plan for retirement and diversify your portfolio.

 

Zero coupon bonds— This type of security doesn’t pay interest (a coupon) to the investor, but is traded at a deep discount, providing profit at maturity when the bond is redeemed for its full face value.  These are typically long-term investments that can take ten years or more to mature to full face value.  One of the greatest advantages of zero coupon bonds is to reduce portfolio risk by locking in a known level of return on investment.  Investors can purchase different kinds of zero coupon bonds in the secondary markets that have been issued from a variety of sources, including the U.S. Treasury, corporations, and state and local government entities.

 

Annuities— An annuity is an insurance product that pays out income.  Annuities are a popular choice for investors who want to receive a steady income stream in retirement.

Here’s how an annuity works: you make an initial investment in the annuity (which is an insurance product), and it then makes payments to you on a future date or series of dates. The income you receive from an annuity can be paid out monthly, quarterly, annually, or even in a lump sum.  You can choose to receive payments for the rest of your life or for a specific number of years.  How much you receive depends on whether you opt for a guaranteed payout (fixed annuity) or a payout stream determined by the performance of your annuity’s underlying investments (variable annuity).  While annuities can be useful retirement planning tools, they are also known to have high investment expenses.

 

Managed futures— Managed futures are an alternative investment strategy in which professional portfolio managers use futures contracts as part of their overall investment strategy.  Managed futures provide portfolio diversification among various types of investment styles and asset classes to help diminish portfolio risk in a way that is not possible in direct stock investments.  Professional money managers, also called commodity trading advisors, typically monitor managed futures accounts.  A diversified managed futures account will generally have exposure to a number of markets such as

  • Commodities—cotton, cocoa, coffee, sugar
  • Metals or Energy—gold, silver
  • Agriculture—soybeans, corn, wheat
  • Equity Indexes—S&P futures, Dow futures, NASDAQ 100 futures
  • Currency—foreign currency, U.S. government bond futures

Introducing futures into a portfolio reduces risk because of the negative correlation between asset groups.  This means that when traditional markets are experiencing growth, managed futures are not doing as well, however, when traditional markets are not doing well, managed futures are typically profitable.

 

 

*Before implementing any particular investment strategy, make sure to fully research the risks, rewards, time horizon, and fees involved, either on your own or through the advice of a financial advisor.

Share the Wealth Sunday Link Up {#77}

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

Meet our Co-Hosts!  We are excited to welcome Carly and Morgan and we know that you will enjoy their money saving ideas too!

Share The Wealth Sunday Co-Hosts | Money Savvy Living
Carly at Carly On Purpose | Facebook | Pinterest
Morgan at Morgan Manages Mommyhood | 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!

 

Features:

Share The Wealth Sunday 77 | Money Savvy Living

Eat, Drink, and Save Money: Hot Chocolate Milkshake

Fun Money Mom: Candy Corn Surprise Cupcakes

Money Savvy Living: The True Costs of Car Ownership

Share The Wealth Sunday 77 Co-Host | Money Savvy Living

Carly On Purpose: Real Work from Home Options

Morgan Manages Mommyhood: 4 Ingredient Pepperoni Pizza Rolls

Popular Posts from last week:

Top Posts from last week's link up | Money Savvy LivingMedium Sized Family: Five Ways We Saved This Week

My Upstate Life: Friday Favorites Organizing Edition

There’s No Place Like Home: Not Sure How to Homeschool?  When in Doubt, Just Read!

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? 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! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

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 Your Recent Post to our Blogs’ Facebook Pages!

Yes! Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but if not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? Are you a mom that is just exhausted and needs a little energy boost? Me too! Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier, feel better, and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

 

Looking for real Work-from-Home Opportunities?

As a mother, the most important thing to me is being there for my kids. But I also have career ambitions and like the extra income… so I have created multiple streams of income for myself that I can build upon in my free time, and around my children’s schedules. Truly life changing! Here are a couple links from my blog that talk about my side businesses:

Start your own blog, and learn how to make money from blogging.

Make money from home while getting healthier and bridging the nutrition gap for your family

Start your own skincare business and help others who battle with feeling self-conscious because of a skin condition and better your financial situation.

 

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:

Tiramisu Martini

Credit Scores Explained

How to Make a Cash Budget

Pumpkin Spice Scones

Apple Cinnamon Cream Cheese Breakfast Braid

 

 

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:


The True Costs of Car Ownership

Photo via AAA.com

Photo via AAA.com

 

According to the 2015 “Your Driving Costs” study by AAA, the American Automobile Association, the cost of owning a vehicle decreased by nearly 2% last year.  The study takes a look at costs associated with vehicle ownership such as: fuel, maintenance, insurance, tires, and depreciation.  The study cites lower gas prices and lower financing charges, as the main factors influencing the decrease, and overall, helping to offset some of the other expenses.

 

Let’s take a look at some of the costs of car ownership and find the areas where we can save:

 

Fuel

Obviously, the cost of fuel is not a factor that you can control.  However, the type of vehicle that you choose can make a huge impact on the amount of fuel that you will need to buy.  To save on gasoline, you may want to look at smaller, more fuel efficient cars.  Hybrids and electric cars also help to increase fuel efficiency.  Many newer non-hybrid cars even have an “Eco-Boost” mode, which can also help to make the car run more efficiently and use less gas.

 

Maintenance

The older a vehicle gets and the more miles it travels, repairs are going to be necessary.  These types of costs can be curbed, though, if you diligently follow suggested maintenance, such as regular oil changes, tire rotations, and fluid checks.  These are relatively small expenses for maintenance that can save you, literally, hundreds of dollars in repairs due to letting these things slide…  Take advantage of coupons and specials to save a few bucks when going to a dealership service department or other auto shop.

 

Insurance

Insurance can be quite costly and can vary greatly between companies.  Some factors that go into the cost of insurance remain constant though.

  • Cars that are more expensive to repair are going to cost more to insure
  • Choosing higher deductibles can help to curb monthly costs
  • Keep a good driving record; fewer accidents and claims means lower premiums
  • Bundle insurance policies; having multiple policies with one company can qualify you for additional discounts
  • Young drivers can lower insurance costs by earning good grades and not having a car in their name.

 

Depreciation

Everyone knows that as soon as you drive a new car off the lot, it is worth less.  In order to avoid that hit in value, there are a few things you can do:

  • Buy a used car— With lease programs still being popular options, many good vehicles are returned to the dealerships after a few years with less than 50,000 miles on them.  Often, you are able to buy an extended warranty up to 100,000 miles, making these much less expensive choices, but still backed by the manufacturer.
  • Take care of your car—Take your car for regular oil changes and tire rotations.  Regularly wash your car, as some environmental factors can actually be corrosive to your car’s paint over time.
  • Drive your car longer—Most depreciation occurs when the car is new and decreases at a slower rate the older the car gets.  Buying a car and trading it in after only two or three years can put you in a negative-equity situation, whereas, keeping the car and driving it  for six or seven years allows you to pay off the auto loan and, typically, get past any negative equity.

Share the Wealth Sunday Link Up {#76}

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 76 | Money Savvy Liivng

Eat, Drink, and Save Money: Spiced Apple Cider Mocktails

Fun Money Mom: How to Keep Your Hungry Tween Satisfied

Money Savvy Living: Benefits & Tax Obligations of Starting a Side Business

3 Ways to Share Your Blog Posts Each Week:

Besides sharing your posts on the Share the Wealth Sunday Link Up each week, we want offer other ways to get more traffic to your articles:

Share the Wealth Facebook Group Page

Have you joined the Share the Wealth Facebook page yet? 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! This is meant to be an interactive group for bloggers… feel free to invite any of your blogger friends!

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 Your Recent Post to our Blogs’ Facebook Pages!

Yes! Feel free to stop by our Blogs’ Facebook Pages and post your most recent blog articles! Of course, we are commenting, pinning, tweeting and sharing your linked up posts, but now you can just visit our pages on Facebook and post a link to your most recent blog post! We hope that you are already following our Facebook pages, but if not, come on over and follow along and share some of your content too!

Eat, Drink, and Save Money

Fun Money Mom

Money Savvy Living

Healthy Living Facebook Page:

Are you trying to lose weight or get healthy? Are you a mom that is just exhausted and needs a little energy boost? Me too! Stop by my Healthy Living Facebook page for some tips, recipes, and encouragement to get healthier, feel better, and lose a little weight this year. Also, feel free to join and post your health-related blog posts anytime… another great way to share your blog posts!

 

Looking for real Work-from-Home Opportunities?

As a mother, the most important thing to me is being there for my kids. But I also have career ambitions and like the extra income… so I have created multiple streams of income for myself that I can build upon in my free time, and around my children’s schedules. Truly life changing! Here are a couple links from my blog that talk about my side businesses:

Start your own blog, and learn how to make money from blogging.

Make money from home while getting healthier and bridging the nutrition gap for your family

Start your own skincare business and help others who battle with feeling self-conscious because of a skin condition and better your financial situation.

 

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:

Top 5 Budget Busters

13 Costs to Consider Before Buying a Bigger Home

Chocolate Bacon Martini

Maple Bourbon Coffee

Hot Beer Cheese Dip

Burlap Leaf Placemats

 

 

 

 

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: