Monthly Archives: January 2017

Share the Wealth Sunday Link Up {#91}

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 your latest and greatest posts for money saving ideas, recipes, DIY, crafts, parenting and more on the Share the Wealth Sunday Link Up.

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!

Share the Wealth Sunday | Money Savvy Living
Carly at Carly On Purpose | Facebook | Pinterest

Morgan at Morgan Manages Mommyhood | Facebook | Pinterest | Twitter | Google+ | Instagram

Krystal at Little Light On A Hill | Facebook | Pinterest | Twitter | Google+ | Instagram

Shannon at Daily Momtivity | 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 91 | Money Savvy Living

Eat, Drink, and Save Money: Cheesy Olive Flatbread

Fun Money Mom: Deliciously Easy Valentine Hearts

Money Savvy Living: Bloggers: Become a Target Affiliate

Share The Wealth Sunday 91 | Money Savvy Living

Morgan Manages Mommyhood: Pepperoni Stuffed Crust Pizza

Little Light On A Hill: Our First Year of Blogging in Review

Daily Momtivity: Banana Granola Snack

Popular Posts from last week:

Share The Wealth Sunday 91 | Money Savvy Living

Happy Humble Home: How to do a Spending Freeze

 Sew Travel Inspired: Grow Your Blog: How to Use Twitter Analytics

Cookie Crumbs: 4 Ways to Save Big on Groceries

4 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!

Beautiful Budget Life Pinterest Group Board

Our brand new blogging community, Beautiful Budget Life, is now LIVE!!  And, we have a group Beautiful Budget Life Group Pinterest Board… sooooo, just one more way to share your posts with a bigger audience!

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 (it makes it so much easier to add you to the group boards!):

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!

 

Side hustles that can create full-time income:

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.

 

 

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

Check it out!

We are so excited!  Beautiful Budget Life is now LIVE!! 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!

You can join us now on social media:

Beautiful Budget Life   |   Facebook   |   Instagram  |  Twitter   |   Pinterest

Link Up:


Bloggers: Become a Target Affiliate and Start Earning

Bloggers: Become a Target Affiliate | Money Savvy Living

You guys!  For a limited time, Target is offering a $500 shopping spree to a new affiliate!  So any new affiliate that joins by the end of January 2017, will be entered into the drawing to win this awesome shopping spree!

And let’s be serious, who wouldn’t want a $500 shopping spree at Target??

In addition to the chance to win the shopping spree, when you become a Target affiliate, you are eligible for some pretty nice commissions too!  Here are some of the highlights of the Target affiliate program:

  • Earn up to 5% on popular categories
  • 7 day cookie
  • Weekly newsletter with updates on promotions, contests, and sales opportunities
  • Clean, well-regulated program
  • Dedicated program management

There are also payouts for other things besides shopping.  So you will also get paid when people apply and are approved for a Target card, or create a Wedding, Baby, or College registry at Target.

 

Sign up today and start earning!  Click HERE to get started!

 

Who can benefit from signing up to become a Target Affiliate?

Every blogger.  Do your readers buy things for their babies and kids?  Home décor? Apparel? Health & Beauty items?  Of course, they do!  So why not sign up today!?

Get FREE Exposure for Your Blog with TalkMarkets

Get FREE exposure for your blog with TalkMarketsGet FREE Exposure for Your Blog with TalkMarkets | Money Savvy Living

TalkMarkets, a new financial media site which customizes its content to user’s interests, preferences and levels of investment sophistication. While TalkMarkets covers the entire breadth of the diverse financial realm, it is customized and tailored to each individual user; this ensures a browsing experience which is easy, quick, and personally relevant.

 

 

For a limited time, TalkMarkets is accepting new contributors to its Founding Contributors Club. As a Founding Contributor you will earn equity in the company in exchange for your contributions.

Four ways to earn equity:

  1. Submit content—you can choose to upload your own content, or TalkMarkets will monitor your blog and repost anything that they feel is relevant. Content can be Non-Exclusive (something you have already published on your own blog), or Exclusive (written specifically for TalkMarkets and not published anywhere else).  Of course, Exclusive content is worth more equity points than Non-Exclusive content.
  2. Drive Traffic to your TalkMarkets Content—the more shares you get the more equity you will build…
  3. Refer Others—any other contributors that you refer, you will get bonus equity for those that you refer who register and when they become a contributor. You also earn 10% equity on the equity earned by those that you refer.
  4. One-Time Bonus Opportunities—there are several tasks that you can complete in order to earn additional bonus equity points.

So why should you consider signing up to be a contributor with TalkMarkets?

  • As a financial blogger, you will receive extra exposure for your blog! This is the big one, right?  Your TalkMarkets profile links to your social media and your blog, so people can easily find your work.
  • Once you sign up, TalkMarkets can monitor your blog for relevant articles to re-post, so you don’t have to do anything else to get your content promoted, unless you want to…
  • You are earning equity in TalkMarkets. While you don’t receive income now, your work is earning equity in this website… and you still get the free exposure, right?!

 

Click here to sign up to become a contributor. It’s free to sign up, and so easy…

 

If you want to see an example of how becoming a contributor for TalkMarkets directs readers back to your blog and social media, check out my TalkMarkets Contributor page.

Get FREE Exposure for Your Blog with Talkmarkets | Money Savvy Living

Share the Wealth Sunday Link Up {#90}

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 your latest and greatest posts for money saving ideas, recipes, DIY, crafts, parenting and more on the Share the Wealth Sunday Link Up.

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!

Share the Wealth Sunday | Money Savvy Living
Carly at Carly On Purpose | Facebook | Pinterest

Morgan at Morgan Manages Mommyhood | Facebook | Pinterest | Twitter | Google+ | Instagram

Krystal at Little Light On A Hill | Facebook | Pinterest | Twitter | Google+ | Instagram

Shannon at Daily Momtivity | 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 90 | Money Savvy Living

Eat, Drink, and Save Money: Funfetti Valentine’s Day Waffles

Fun Money Mom: The Best Ever Valentine’s Day Bark

Money Savvy Living: Avoid the Stomach Bug This Winter by Doing One Simple Thing

Share The Wealth Sunday 90 | Money Savvy Living

Morgan Manages Mommyhood: DIY Bath Bomb Valentines

Little Light On A Hill: Taxes Make Easy: How to Stay Organized

Daily Momtivity: 5 Reasons to Cook with Kids

Popular Posts from last week:

Share The Wealth Sunday 90 | Money Savvy LivingMission to Save: Repurpose Jars (give them a second life)

 Cookie Crumbs : My Dirty Little Secret.  Money Troubles.

Simply Save: Weird Reasons I’m a Minimalist

4 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!

Beautiful Budget Life Pinterest Group Board

Our brand new blogging community, Beautiful Budget Life, is now LIVE!!  And, we have a group Beautiful Budget Life Group Pinterest Board… sooooo, just one more way to share your posts with a bigger audience!

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 (it makes it so much easier to add you to the group boards!):

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!

 

Side hustles that can create full-time income:

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.

 

 

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

Check it out!

We are so excited!  Beautiful Budget Life is now LIVE!! 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!

You can join us now on social media:

Beautiful Budget Life   |   Facebook   |   Instagram  |  Twitter   |   Pinterest

Link Up:


Avoid the Stomach Bug This Winter by Doing One Simple Thing

Avoid the Stomach Bug This Winter

We are heading into the middle of winter—the heart of flu season.  And as any mother with school-age children, I worry about all the germs that they are around and bringing them back home and getting everyone sick.

As a teacher myself, I know what it is like in a classroom.  Kids sneezing into their hand, instead of their elbow, or worse yet, not covering their sneeze at all.  Seeing a student use a tissue to blow their nose and wondering to myself what might have missed the tissue and be left on their hands… I could go on and on with the stories… I was fortunate enough though to have a sink in the classroom and would send those little sweethearts right over to wash their hands—every time I saw one of these incidents occur.

I’m not a germaphobe or anything, but I just really, really don’t like to get sick.  I especially don’t like for my kids to be sick.  Nothing worse than having to take care of a miserable, sick child and being helpless to make them feel better.

Luckily for our family, we have not encountered the stomach bug for a few years now.  Last winter, only one of my three boys was sick when we thought he had strep throat (even that turned out to be negative), but none of us encountered the flu or stomach bug… Can I get a “hallelujah” for that?!  And so far this winter, we have been fortunate to, even though I have heard and seen that it is going around.  Yes, even though I am not teaching now, I still volunteer at the school and got to experience a child vomiting just a few feet away from me.  And on my preschool son’s field trip a little girl got sick right in the middle of all the fun.  So I know those germs are going around.

I have felt pretty fortunate that it hasn’t hit our house lately—didn’t know why we had lucked out, but hey, you never look a gift horse in the mouth right?!  So I’ve just been thankful.

 

Avoid the Stomach Bug This Winter by Doing One Simple Thing | Money Savvy Living

 

Then, I read an article that talked about how grape juice can actually stop the stomach bug.  Weird but true, I guess.  I’m no scientist, so I can’t really back that up one way or the other.  However, it got me thinking…

Just over a year ago, my family had started taking whole food supplements—just because I wanted to do something “heathy” for my family.  I try to make nutritious and healthy meals, but I know we fall short, so this was just a way for us to bridge that gap in our diets.  There are three varieties that we take—Garden, Orchard, and a Vineyard Blend—my husband and I take the capsules and the kids take the chewable gummies—which actually taste good!  Now, they are all packed with goodness because these are whole foods that have just been dehydrated, so we are getting all the vitamins and minerals directly from the source.  But it is the vineyard ones that came to mind for me after finding out about the goodness of grape juice.  I knew it had lots of good antioxidants and immune boosters in it, but I went back and read the ingredients and confirmed that it had concord grape in it.  So for over a year now, we have been flooding our bodies every day with that extra boost of goodness—one that seems to have had an impact on our immune systems and fighting off the stomach bug!

 

Avoid the Stomach Bug This Winter by Doing One Simple Thing | Money Savvy Living

 

After reading that article, I am definitely going to make sure we get our vineyard goodness in everyday… plus there are so many other good vitamins from plants that we wouldn’t get otherwise… I mean, when was the last time you ate black currant, elderberry, pomegranate, or artichoke??  Confirmation for me that the steps that we have taken toward a healthy lifestyle have been worth it!

 

Avoid the Stomach Bug This Winter by Doing One Simple Thing | Money Savvy Living

 

*You may notice that some of the links are to my own virtual franchise.  If you’d like more information on how get your family on the path to health and start your own virtual franchise and earn income from home, check out my post on Side Hustles That Will Actually Give You a Full Time Income.

Share the Wealth Sunday Link Up {#89}

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 new Co-Hosts!  We are excited to welcome Krystal and Shannon and we know that you will enjoy their money saving ideas too!

Share the Wealth Sunday | Money Savvy Living
Carly at Carly On Purpose | Facebook | Pinterest

Morgan at Morgan Manages Mommyhood | Facebook | Pinterest | Twitter | Google+ | Instagram

Krystal at Little Light On A Hill | Facebook | Pinterest | Twitter | Google+ | Instagram

Shannon at Daily Momtivity | 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 89 | Money Savvy Living

Eat, Drink, and Save Money: Lightened Up Avocado Ranch Dressing

Fun Money Mom: Cooking Up Quality Time with Crescent Pizza Wraps

Money Savvy Living: What is a Return of Premium Insurance Policy? And Why You Should Consider Getting One

Share The Wealth Sunday 89 | Money Savvy Living

Morgan Manages Mommyhood: DIY Seed Paper Valentines

Little Light On A Hill: 5 Money Tips to start Your Financial Year Off Right

Daily Momtivity: Homemade Cough Rub

Popular Posts from last week:

Share The Wealth Sunday 89 | Money Savvy Living

Gluesticks & Gumdrops: Strawberry Banana Smoothie

Simply Save: 2017 Goal: Crush Debt

Saving Our Money: 6 Ways to Stretch Your Grocery Budget

4 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!

Beautiful Budget Life Pinterest Group Board

Our brand new blogging community, Beautiful Budget Life, is now LIVE!!  And, we have a group Beautiful Budget Life Group Pinterest Board… sooooo, just one more way to share your posts with a bigger audience!

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 (it makes it so much easier to add you to the group boards!):

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.

 

 

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!  Beautiful Budget Life is now LIVE!! 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:


What is a Return of Premium Life Insurance Policy? And Why You Should Consider Getting One

What is return of premium life insurance? And why should I have it?

Return of Premium Life Insurance | Money Savvy Living

Life insurance.  It’s something that we all know that we need, but figuring out what type of insurance policy to get can be confusing and costly.  You may have never heard of return of premium life insurance, so I’m going to break it all down for you and tell you exactly why you need to add one of these to your portfolio.

A return of premium life insurance policy is different than regular term life insurance or whole life insurance.  But while it is different, it is also similar because it is a sort of combination of the two.

What is term life insurance?

A standard term life insurance policy gives you coverage for a specific period of time (for example: a 20 or 30 year term) and when that time is up, if your family has not had to use the death benefit, the money that you have paid in is a sunk cost—so, cash no value has accumulated, and there is no more insurance coverage either.

What is whole life insurance?

A whole life insurance policy does build cash value, but typically has higher monthly premiums because it is set up to be an active policy until you pass away, so there is no definite term.  Or it gives you the option to cash it out later in life because the premiums that have been paid essentially build a forced savings account for the insured.

What is return of premium life insurance?

With a return of premium life insurance policy, you have life insurance coverage for a specified period of time (a term of 20 or 30 years, for instance), but if you live beyond the term and did not need the death benefit amount, then you are able to get the value of the premiums that you have paid in over that term returned to you.  So at the end of the term, you now have several thousand dollars set aside in a savings!  So basically, you have built a nice savings account for retirement.

Return of Premium Life Insurance | Money Savvy Living

This option is especially appealing for younger adults who may be just starting a career or a family and don’t have a lot of disposable income with which to buy a whole life policy, but don’t want to feel like they are throwing money away on a term policy, assuming they will outlive the benefit.

It is also a nice way to ensure that you and your family have a retirement nest egg too.  While enjoying the benefit of the life insurance coverage, which is important when you have small children or large expenses, such as a mortgage or college to pay for, it provides that safety net for your family with financial security at the time that it is most needed.  But assuming you won’t need to use it for the insurance, it is also a very nice retirement savings tool.

Summary of benefits of return of premium life insurance:

  • Lower premiums—the main goal of this type of insurance is to provide term coverage, so the premiums are lower than whole life, as the focus is not on building the cash value.
  • Fixed premium—because the focus is more on term coverage, the premium is fixed, so for the term of the policy, the premium will not change.
  • Provides term coverage—if something were to happen to the insured during the term of coverage, the entire death benefit would be paid to the beneficiaries.
  • Builds cash value—even though the focus of this insurance is not to build savings, if you do not need the death benefit during the term of the insurance, you will get the premiums that you paid in over the years returned to you.

 

 

 

 

Share the Wealth Sunday Link Up {#88}

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 new Co-Hosts!  We are excited to welcome Krystal and Shannon and we know that you will enjoy their money saving ideas too!

Share the Wealth Sunday | Money Savvy Living
Carly at Carly On Purpose | Facebook | Pinterest

Morgan at Morgan Manages Mommyhood | Facebook | Pinterest | Twitter | Google+ | Instagram

Krystal at Little Light On A Hill | Facebook | Pinterest | Twitter | Google+ | Instagram

Shannon at Daily Momtivity | 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 Link Up 88 | Money Savvy Living

Eat, Drink, and Save Money: How to Stick to Your New Year’s Resolutions + Printable

Fun Money Mom: The Year In Review & 2017 Blogging Goals

Money Savvy Living: Unique Gifts Under $100

Share The Wealth Sunday Link Up 88 | Money Savvy Living

Morgan Manages Mommyhood: Secretly Veggie Sloppy Joe

Little Light On A Hill: How One Family Paid off $80,000 in Debt: Part 3

Daily Momtivity: PB & J Kabobs

Popular Posts from last week:

Share The Wealth Sunday Link Up 88 | Money Savvy Living

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

Meaningful Spaces: Salted Caramel Butter Bars

Tweenhood: 3 Easy Ways to Help Your Kids Get More Out of Their Wardrobe

4 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!

Beautiful Budget Life Pinterest Group Board

Our brand new blogging community, Beautiful Budget Life, is now LIVE!!  And, we have a group Pinterest Board… sooooo, just one more way to share your posts with a bigger audience!

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 (it makes it so much easier to add you to the group boards!):

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.

 

 

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!  Beautiful Budget Life is now LIVE!! 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:


Unique Gift Ideas Under $100

Unique Gifts Ideas Under $100

Unique Gifts from UncommonGoods for Less Than $100 | Money Savvy Living |

This post has been sponsored by UncommonGoods.  All opinions are mine alone.  #UncommonGoods #ad

 

If you are looking for a unique gift for a birthday, anniversary, wedding or other holiday, then you really need to check out these cool gadgets from UncommonGoods.  They have unique gift ideas for every budget, so you won’t have to break the bank trying to find the perfect gift.  It is also nice to know that UncommonGoods was founded on the principles of offering socially responsible products, environmentally friendly products, and giving back through the Better to Give Program.

UncommonGoods offers unique gift ideas for kids, teens, and adults that are sure to be a hit.  I like to look for gifts that fit my frugal lifestyle, but also offer something that someone may never have heard of before, is useful, and will get the “Wow, that’s really cool—I love it!” reaction.  So here is my list of favorites (and they are budget-friendly too!):

 

Birthday Picks: 

Birthstone Definition Necklace, this beautiful necklace is handmade in Texas, exclusively for UncommonGoods, $50

photo via: UncommonGoods.com

photo via: UncommonGoods.com

Bluetooth Tracking Tag, Do you misplace your keys a lot?  You can change that for only $40

photo via: UncommonGoods.com

photo via: UncommonGoods.com

Magnetic Key Holder, This key holder comes in the shape of the United States or you can even choose an individual state, $44

photo via: UncommonGoods.com

photo via: UncommonGoods.com

Craft IPA Beer Shampoo and Conditioner, Yes, beer is good for more than drinking… it will give you beautiful hair as well…$19.95

photo via: UncommonGoods.com

photo via: UncommonGoods.com

Heat Conducting Ice Cream Scoop, You will never have to dip your ice cream scoop in hot water again or wait for your ice cream to thaw, $19.99

photo via: UncommonGoods.com

photo via: UncommonGoods.com

 

Anniversary and Wedding Picks:

Ticket Stub Diary You can now easily create a keepsake of all the sporting events, movies, and concerts that you and your significant other attend together…$12

photo via: UncommonGoods.com

photo via: UncommonGoods.com

Personalized Maple Wall Clock This makes a unique and special gift with the ability to add a surname or date to this clock, $72

photo via: UncommonGoods.com

photo via: UncommonGoods.com

Personalized Cutting Board  Personal and useful—all in one!  A great addition for any newlywed’s kitchen, $54

photo via: UncommonGoods.com

photo via: UncommonGoods.com

 

Kids and Teens Picks:

Edible Chemistry Kit What can make learning more fun than a cool science experiment?  One that you can eat!  $18

photo via: UncommonGoods.com

photo via: UncommonGoods.com

Bioluminescent Aquarium (small) Tiny plankton will illuminate this spherical aquarium when you swirl it.  Truly a one-of-a-kind gift $59.95

photo via: UncommonGoods.com

photo via: UncommonGoods.com

Equation Geek Watch Geeks rule the world, right?  Your science-loving teen will love this equation watch. $68

photo via: UncommonGoods.com

photo via: UncommonGoods.com

DIY Lip Balm Kit Not only is this do-it-yourself gift a fun idea, proceeds from these kits helps to provides jobs and support to women in the Washington DC area. $40

photo via: UncommonGoods.com

photo via: UncommonGoods.com

 

Step outside of the stand-by gifts that you may normally givelike socks… because, really, no one is excited to receive socksagain.