fbpx
How to Get Started on a Budget and More Money Q&A {podcast 28}

How to Get Started on a Budget and More Money Q&A {podcast 28}

Purpose Driven Mom Podcast

Episode 28

How to Get Started on a Budget and More Money Q&A

 

Today’s episode was inspired but all of the moms in the Holiday Money Saving Challenge! They submitted questions and after filtering through hundreds of them, I pulled out 3-5 that most women had!

Thank you to today’s sponsor Woosh Beauty. Use the code PURPOSE40 at checkout for 40% off! This incredible discount ends on November 23rd!

Click here to grab the Fold Out Face and MORE!

 

woosh-beauty

 

Woosh Beauty is a new brand that is 100% owned and operated by women who like beauty but who LOVE spending time on what’s really important – family, friends, travel, pets, etc. So we created products that allow people to get more from their makeup by doing less.  Our mission is to simplify lives by introducing time saving tools and easy to apply makeup for busy people who need one less thing to worry about. Perfect for on-the-go so you can get your makeup on and focus on what really matters! Click here to read my full review of Woosh Beauty products!

 

Join the Holiday Money Saving Challenge!

extra-cash-christmas

 

 

 

 

 

Episode Show Notes

3:22 How to get on board with your spouse when it comes to money

8:32 How to involve your kids in the family budget

11:46 Thanks to our sponsor Woosh Beauty! Use code PURPOSE40 at checkout for 40% off (This code ends on 11/23/19!)

13:18 How to stick with your budget and stay motivated

16:20 Using the Bite Sized Budget Formula to stay on track

19:15 Utilizing a no spend challenge to stay on budget

24:00 How to get started to determine your budget categories

31:15 Moving past budgeting and finance mistakes

 

 

Subscribe & Review in the Podcast

Are you subscribed to my podcast? If you’re not, make sure you head over and do it now so that you don’t miss an episode! 

Click here to subscribe on Apple Podcasts!

While you’re there, I’d love an appreciate if you’d leave a rating and review! These allow other purpose driven moms to find the show and help grow our community! Just click here to review, select ‘Ratings and Reviews” and “Write a Review” and let me know your favorite part of the podcast! I’d love to feature you as our ‘Review of the Week’.

 

Busy on a Budget opens Friday, November 23rd for the LAST TIME in 2019! Come join this course or become a VIP with a 4 week coaching program! Click here to learn more!

 

Links and Resources Mentioned in Today’s Episode 

Master Your Money Super Bundle

Holiday Money Saving Challenge 

Cash Envelope and Budget Binders

 

 

Related Blog Posts for Moms

 

Money Saving Tips Around Groceries

Money Saving Tips for Your Home

Why date your spouse + 28 Free Date Ideas

4 Steps to Cheap Summer Activities

How to Save Money on Kid’s Clothes

7 Ways to Homeschool on a Budget

{Podcast Episode} How to Save Money on Back to School Clothes

If you listened to today’s episode, take a screen shot of the show or you taking action on a tip from the show and TAG ME on Instagram! 

Make sure to join our Facebook Community and continue the conversation about the episode!

Changing Your Money Mindset {Podcast 27}

Changing Your Money Mindset {Podcast 27}

Purpose Driven Mom Podcast

Episode 27

Changing Your Money Mindset

 

Today we tackle how to change your money mindset so that you can change your family’s legacy. Our money mindsets are deep rooted and many of them start at childhood. Today, let’s chat about how you can start to change the way you see money!

Thank you to today’s sponsor Woosh Beauty. Use the code PURPOSE25 at checkout for 25% off. Click here to grab the Fold Out Face and MORE!

 

woosh-beauty

 

Woosh Beauty is a new brand that is 100% owned and operated by women who like beauty but who LOVE spending time on what’s really important – family, friends, travel, pets, etc. So we created products that allow people to get more from their makeup by doing less.  Our mission is to simplify lives by introducing time saving tools and easy to apply makeup for busy people who need one less thing to worry about. Perfect for on-the-go so you can get your makeup on and focus on what really matters! Click here to read my full review of Woosh Beauty products!

 

 

 

Join the Holiday Money Saving Challenge!

extra-cash-christmas

 

 

Episode Show Notes

48: Review of the Week

5:15 What is a money mindset?

7:10 Cara’s money story

16:36 Thanks to our sponsor Woosh Beauty! Use code PURPOSE25 at checkout for 25% off

18:31 Digging into your money mindset (scroll down to download the Money Mindset Workbook)

25:40 How your parents relationship with money impacts your money mindset

32:00 What vision do you have for your financial future?

33:10 Making sense of tithing

35:09 How to move forward with your money mindset

 

Subscribe & Review in the Podcast

Are you subscribed to my podcast? If you’re not, make sure you head over and do it now so that you don’t miss an episode! 

Click here to subscribe on Apple Podcasts!

While you’re there, I’d love an appreciate if you’d leave a rating and review! These allow other purpose driven moms to find the show and help grow our community! Just click here to review, select ‘Ratings and Reviews” and “Write a Review” and let me know your favorite part of the podcast! I’d love to feature you as our ‘Review of the Week’.

 

Links and Resources Mentioned in Today’s Episode 

Master Your Money Super Bundle

Holiday Money Saving Challenge 

 

Related Blog Posts for Moms

 

Money Saving Tips Around Groceries

Money Saving Tips for Your Home

Why date your spouse + 28 Free Date Ideas

4 Steps to Cheap Summer Activities

How to Save Money on Kid’s Clothes

7 Ways to Homeschool on a Budget

{Podcast Episode} How to Save Money on Back to School Clothes

If you listened to today’s episode, take a screen shot of the show or you taking action on a tip from the show and TAG ME on Instagram! 

Make sure to join our Facebook Community and continue the conversation about the episode!

The Ultimate Guide for Christmas on a Budget (perfect for moms!)

The Ultimate Guide for Christmas on a Budget (perfect for moms!)

The Ultimate Guide for Christmas on a Budget

 

You can have a great Christmas on a budget. So often we get caught up in the material aspect of the holidays but fail to realize that it is possible to have just as much fun with a budget.

 

Yes, it can be hard when there are lot of events to attend, gifts to buy and you see others spending money but trust me, Christmas on a budget is possible.

 

Two years ago, we were going on month 5 of my husbands unemployment – and had just had a new baby. Our unemployment checks had stopped, we were on government assistance and food stamps and had no idea what we would do to give our children the Christmas we wanted.

 

But we knew it was possible.

 

We have lived on a budget since we got engaged – and were able to pay for our entire wedding in cash- and know that it’s possible. No matter how much you have (or don’t have), creating a budget can allow you to be in control of your money and make purchases that matter most to you.

 

Budgeting doesn’t have to be restrictive and mean that everything is no fun. Budgeting allows you to prioritize how you spend your money so, if you decide to want to splurge on a new Christmas tree, you just know that you might not buy any other decorations this year.

 

Related Post: How to Survive When Money is Tight 

 

 

 

 

christmas-budget

This post may contain affiliate links which cost you nothing extra to use but may provide me with a commission. To read my full disclosure head on over here.

Christmas Ideas on a Budget

 

Before you start searching for ways to scrimp and save this holiday season, it’s important you’ve taken the time to create a budget that works for you for the holidays. If you haven’t started saving yet, head over and print out my 12 week Christmas saving guide to get started!

 

I urge you to make your goal this holiday season to not use any credit cards. Maybe you aren’t ready to completely slash your Christmas budget but, by making the commitment to only using cash, you’ll start to get in the budgeting mindset and think differently about your purchases.

 

You can read more of my step by step tips that can help moms create a budget for Christmas in this post!

 

 

If you want a great printable for your Christmas Budget Planning, go and grab this freebie from Plantsonify!

 

 

My friend Joyce over at My Stay at Home Adventures also had an incredible and comprehensive guide for having a debt free Christmas! She is a budgeting guru and will walk you through, step by step, how to make a budget that work! Check it out here!

 

 

Christmas Gifts on a Budget

 

When it comes to slashing your Christmas budget, one of the biggest places you can save money is with your gift giving. We give our kids 4 gifts each (you can read about that here) and it has helped us prioritize where we plan to spend money for them instead of just buying gifts to have something to give them.

You can always start clearance shopping early (I shop all year round for the holidays), DIY gifts to make it easier and save money when you compare prices. I’ve listed a few great ideas below for Christmas gifts on a budget that you can use this year!

 

 

 

 

 

 

From A Purpose Driven Mom 

 

 

 

 

 

 

From A Purpose Driven Mom 

 

 

 

 

 

This Christmas doesn’t have to be one where you go broke or into the new year with more debt! Create a budget that works for you and save money on all the gifts you need to buy!

 

More Christmas Tips for Moms

Simple 12 Week Holiday Savings Plan

The Only 4 Gifts Your Kids Need For Christmas

3 Amazing Ways to Save Money on Gifts

5 Smart Ways to Make Money at Christmas

9+ Easy DIY Christmas Gifts

10+ Homemade Christmas Card Ideas on a Budget

The Complete Guide to Christmas on a Budget for Moms

Top 5 Subscription Boxes For the Family and Kids!

10 Awesome Gifts for A Coffee Loving Mom

FREE Elf on the Shelf Idea Organizer + Ideas to Get Started!

Organize the Holidays with the Ultimate Christmas Party Planner

10+ Fun and Unique Elf on the Shelf Ideas

 

More Christmas Resources for Moms

 

 

 

 

 

 

Podcast 21: How to Have a Debt Free Christmas

Podcast 21: How to Have a Debt Free Christmas

Purpose Driven Mom Podcast

Episode 21: How to Have a Debt Free Christmas

 

 

 

 

I know it’s not even Halloween yet, but in today’s episode, I share my best tips for saving money, finding money, earning extra money and planning for a debt-free holiday season. The time to get started with your planning is today!

 

Thank you to today’s sponsor: The Mamas Talk Money Summit

We can’t wait to see you at the summit this October! Free registration for the Mamas Talk Money Summit won’t officially open until October 7th, but that doesn’t mean you can’t join the tribe now! 

Join the waitlist today and you’ll get exclusive early access to our Mamas Talk Money Toolkit! Over 40 pages of worksheets, printables, and resources to help you get a jump start on your financial goals.

Register Now

 

Episode Show Notes

1:15 Review of the Week 

2:00 Cara’s Tale of a holiday season with $0

8:35 Steps you can take right NOW to plan for the holidays

11:45 How to get discounts and deals on almost anything!

13:30 How to create your Christmas budget

17:35 A Word from Our Sponsor – The Mamas Talk Money Summit

23:10 So many ways to save  – and FIND – money!

28:10 Cara’s top tips for making extra money (that you can implement today!)

 

 

Subscribe & Review in the Podcast

Are you subscribed to my podcast? If you’re not, make sure you head over and do it now so that you don’t miss an episode!

Click here to subscribe at iTunes!

While you’re there, I’d love an appreciate if you’d leave a rating and review! These allow other purpose driven moms to find the show and help grow our community! Just click here to review, select ‘Ratings and Reviews” and “Write a Review” and let me know your favorite part of the podcast! I’d love to feature you as our ‘Review of the Week’.

 

Links and Resources Mentioned in Today’s Episode

 

 

 

Make sure you join the Mamas Talk Money Summit! Get your FREE ticket!

 

 

Related Blog Posts

 

 

Simple 12 Week Holiday Savings Plan

The Only 4 Gifts Your Kids Need For Christmas

3 Amazing Ways to Save Money on Gifts

5 Smart Ways to Make Money at Christmas (including secret shopping links)

9+ Easy DIY Christmas Gifts

10+ Homemade Christmas Card Ideas on a Budget

The Complete Guide to Christmas on a Budget for Moms

Top 5 Subscription Boxes For the Family and Kids!

10 Awesome Gifts for A Coffee Loving Mom

FREE Elf on the Shelf Idea Organizer + Ideas to Get Started!

Organize the Holidays with the Ultimate Christmas Party Planner

10+ Fun and Unique Elf on the Shelf Ideas

 

 

Podcast Episode 15 – How to Save Money on Back to School Clothes

Podcast Episode 15 – How to Save Money on Back to School Clothes

Purpose Driven Mom Podcast

Episode 15

How to Save Money on Back to School Clothes

 

 

 

Whether you’ve done your back to school shopping or not – today’s episode will give you a ton of tips on how to save on back to school clothes! Today, I’ll share how to get the best deals, what your kids need for back to school and how to save the money money on kid’s clothes!

 

 

 

 

Episode Show Notes

4:00 Visit our Show’s Sponsor – Rakuten and get $10!

6:15 Why we spend money on back to school supplies – and why we shouldn’t!

9:07 How to change your mindset about shopping

10:15 Doing an assessment on what your kids have now

17:09 Creating a sinking fund for back to school

27:00 Saving money with online shopping

31:36 Where can you shop to get kid’s clothes cheap?

36:40 Using a capsule wardrobe with your kid’s clothing

 

 

Subscribe & Review in the Podcast

Are you subscribed to my podcast? If you’re not, make sure you head over and do it now so that you don’t miss an episode! 

Click here to subscribe at iTunes!

While you’re there, I’d love an appreciate if you’d leave a rating and review! These allow other purpose driven moms to find the show and help grow our community! Just click here to review, select ‘Ratings and Reviews” and “Write a Review” and let me know your favorite part of the podcast! I’d love to feature you as our ‘Review of the Week’.

 

 

Links and Resources Mentioned in Today’s Episode 

Organize Your Life with Trello

Free Trello Basics Course

Go Green Drop 

Busy on a Budget E-Course  (use code PODCAST20 for 20% off!)

Budget Masterclass (only $7 for podcast listeners!)

Related Blog Posts

6 Apps to Use to Save Money 

Simple 12 Week Holiday Savings Plan 

Kick your Debt to the Curb Challenge 

Read if money is tight…

How to Change Your Money Mindset

6 Ways to Make Money without doing surveys

 

 

 

 

If you listened to today’s episode, take a screen shot of the show or you taking action on a tip from the show and TAG ME on Instagram! 

Make sure to join our Facebook Community and continue the conversation about the episode!

4 Steps To Cheap Summer Activities

4 Steps To Cheap Summer Activities

 

Cheap Summer Activities for Kids

 

I am always looking for cheap summer activities for kids and there are so many ways to be a money saving mom! With summer right around the corner, I am SO excited to spend most of our days outside, getting in as much sunshine as my super fair skin can handle, and making memories with my family!

 

In the summer I find that we spend way more money than needed because of all the fun events and things we want to do. This year, I vow to stick on my budget! We are coming out of a season of financial hardship and for the past few months, haven’t really had any space in the budget for luxuries and events.

 

Related Post: An Open Letter to the Mom Struggling with Her Finances

 

Due to that, I’ve had to get super creative in finding and creating fun that our whole family can enjoy. Once we get past the money roadblock, our second challenge is our kids’ age ranges. We currently have an 11 year old, 2.5 year old and 8 month old which can make activities a little tricky.

 

I sat down and said that no matter what we will have a fun summer, not break the bank, and find things that they all enjoy! I came up with a simple summer activity planning system that will keep the kids busy, you from going crazy, and your wallet happy!

 

Budget Friendly Summer Activities

This post may contain affiliate links which cost you nothing extra to use but may provide me with a commission. To read my full disclosure head on over here.

 

Use a time blocking template

 

Depending on your household, your kids may or may not have a schedule for the summer. Some families send their kids to camps, some prefer to keep their schedule more open and some take a lot of trips or homeschool events.

 

For us, none of our kids will be attending camp regularly (though my stepson has the occasional basketball drill on the calendar) so we’ve decided to keep a more open schedule. This helps a lot because currently, baby naps rule our life! I am a HUGE proponent of good sleep practices and try my best to make sure that the baby and the toddler get their sleep!

 

Related Post: 7 Tools to Get Your Baby to Sleep Better

 

Their nap schedule also helps identify when we will be doing things and what days we have more free. There are days when we will want to do a fun day trip and naps will happen in the car but, for the most part (and my sanity) we’ll try to be home for nap. Since I also work from home, that nap time is crucial for working so I plan to keep it as much as I can.

 

Identify for yourself what your typical day will look like this summer. How structured is your time? Do you have to do a lot of driving to activities? Will kids have time at camp or be home all day? How many activities do you want to plan each week?

 

Once you have that time picked out, you can look at a typical day and see where you might want to add in an activity.

 

For us, we have about a 2 hour window right now in the morning where all of the kids are up and we’re ready to be out and about. That is when I will plan something fun or an errand. Otherwise, we keep the day open.

 

During this time the kids are encouraged to play with their toys, read and do other crafts, and play outside. We’re also fortunate because we have a pool so that keeps the 11 year old pretty happy! I’m hoping this year goes better with the toddler in the pool because last summer she hated it!

 

 

Determine your summer bucket list

 

If you’re looking for cheap activities for the summer, it helps to start with a list. Once you see your week at a glance, you’ll be able to see how many day trips, overnight trips, or just fun activities you can fit in.

 

I’m not huge on planning every little bit of the day out but I do like routine and I like a plan in advance. I’ll encourage the kids to just do their things most days but I will plan out a few fun things or playdates just so we can get out of the house and have fun together.

 

Related Post: Using Time Blocking for a Simple Weekly Schedule 

 

If you’re trying to stay on a budget, you won’t be able to always do every single thing on your and your kids’ lists. There may be a limit to how many trips you take and places you go. So many of the fun places out there cost a fortune and when you add parking and food you’ve spent almost $100 for a few hours, and in my mind that is not worth it!

 

Sit down with your family and come up with a list of things that they’d love to do this summer. Is there a place they really want to go? Can you determine one big weekend (or longer) trip you want to take? What do they want the day to look like?

 

This is much easier if you have older kids because my toddler really has not idea what we’re planning but, if you can invest the older kids in the summer plans they may be more excited to do things or less bummed out if you can’t visit all of the places that they heard their friends talking about.

 

Looking for more budgeting help? Snag this budgeting e-course!

 Plan Ways to Enjoy Summer Activities on a Budget

 

There are actually a lot of fun summer activities you can do with your family that doesn’t cost a ton. You just have to do a little research, some planning, and be creative and you can all have an excellent summer.

 

I know sometimes we look at other moms and see their pictures and get envious because we’d love to take our kids to a lot of the same places but maybe it’s just not in the budget. We need to get rid of that mindset and realize that you can all have an amazing summer without always doing things that cost a lot.

 

Related Post: How to Change a Negative Money Mindset

 

 

Join local groups and community pages

 

You can go to Facebook to search local groups and community page and will be able to see a bunch of events going on. (By the way, are you a member of our community page on Facebook? Come join!) The other day in my area I randomly found a post about a free carnival for the kids. It wasn’t huge at all and we only stayed an hour but it was a free, fun activity and got us out of the house.

 

You can save these events as you see them on Facebook or, I like to write them directly into my planner so that I didn’t forget about them or have to look somewhere else to plan activities for the week.

 


Local colleges are also a great place to look for activities and events because they are always posting things that might be open to the public. The library is another great stop. Ours has movies outside for free, fun day time activities for the little kids, and it’s always a great place to just go spend a few hours.

 

You can also check out the newspaper to see community events or things happening in the area. I just saw an ad the other day that some Regal Cinemas offer $1 movies on Wednesdays and it’s the perfect time to try out taking the toddler to the movies!

 

Check out a place’s website before you go and see all of their policies. You might be able to bring in your own lunch, find a special place to park for cheaper, or a cool special free event one day.

 

We live super close to Sesame Place and last summer went a few times a week. I knew from their website that I could bring in all my own food so when we were there we never even went into the food places so the kids wouldn’t even know to ask and we’d just have our snacks that we brought in. Most places will let you do so and it never hurts to ask or check. It just takes a little extra planning to do it.

 

 

Look for discounts to save money on summer activities

 

I am a HUGE couponer so obviously before we go anywhere I scour the internet for coupons. (if you want to see how I save money with coupons, go snag this free webinar!) They often aren’t too hard to find if you just search google! You can also find discount codes on apps, in other Facebook groups and in some stores just sitting right on the counter! Our local library also has free tickets for local zoos and parks and all you have to do is call and pick them up!

 

If you know you might be going to a place a lot, like we did with Sesame Place, it may not hurt to get a season pass. Ours paid for itself in 3 trips and like I said we went 2x a week! You could also maybe get passes to split with another family or meet up at someone’s house before going and split the cost of parking.

 

Also make sure you check out local YMCAS for what activities you can get with a membership or kid’s gyms that have discounts for open play! And before you get tickets to anything, check out discount sites like Groupon to see what events they have going on!

 

Budget Friendly Summer Family Activities

 

 

Activities at Home for Kids

 

There are also a ton of activities that you can do right in your backyard without spending any money at all (or maybe a few bucks at the Dollar Store!)  So on those days when you don’t want to leave the house, spend money at all, or have a ‘home summer camp’, just have the kids go outside or do something fun together!

 

Check out this list of activities that you could do that are free and cheap and super fun!

 

Bubbles

 

Family Walks & Bike Rides

 

Water Play

 

Hikes

 

Find Community Events

 

Geocaching

 

Make  a Time Capsule

 

Take a park tour

 

Go local

 

Nature Walk

 

Find cheap museums

 

Baking Day (bring to a neighbor)

 

Game Nights

 

Make a summer scrapbook

 

Puzzle

 

Parks and Splash Pads

 

Farmer’s Markets

 

Find free classes (college campuses)

 

Utilize the library

 

Outdoor games

 

Busy Bags


Sensory Boxes

 

Pick a Summer Read Aloud

 

When you’re planning out your summer activities, don’t let the stress of spending money get in the way of making fun memories! Use this system and ideas to get the ball rolling and just enjoy the memories!

 

And don’t feel like you have to plan out every minute. I know we want our kids to have a fun time but there is something magical that happens when we let them get bored and use their imaginations!

 

Go and download a copy of this list (with more ideas) to put on your fridge for when you need an idea!

 

 

More Money Saving Tips!

How to Change Your Money Mindset

5 Ways to Save Money on Groceries

How to Save Money on Kid’s Clothes

How to Survive When Money is Tight

6 Best Apps to Make Money 

 

Money Saving Resources

Kick Your Debt to the Curb Challenge 

Busy on a Budget E-Course

Master Your Money Bundle

Get $6 gift card from Brandless