Budgeting

Featured Topics

This week in... The Penny Hoarder Community

Ashlee
Hi Penny Hoarders! This week we want to give our Veterans a special shoutout. We’ve been celebrating you all week long and are so thankful for your service. Here’s your weekly round up of announcements... In the market for a home? Here’s how to qualify for a conventional loan, which could save you thousands. Check out this quick video our team put together explaining everything you need to know. You can also read the entire article here . Have you found a cool way to make money outside of...Read More...
Hello penny hoarders I’m trying to build my credit up and people telling me to get a credit card and make my payment on time but I never had a credit card before and my credit will not let me get one anyway could someone tell me another wayRead More...
Too bad I missed the early bird pricing on the event. Who knew you guys would be hosting an event on my birthday when I will be in the area as my wife and I finish up the driving part of our 50 State tour! I will be in Orlando which isn't too far of a drive from the event so I am going to try to see if I can make it work for sure. I don't drink but it will be great to meet some fellow Penny Hoarders and learn from some successful side hustlers!Read More...
Last Reply By Lola Jones · First Unread Post

This week in... The Penny Hoarder Community

Ashlee
Happy Friday! Whew! Where has this week gone? Here’s your weekly round up of announcements to get you through today and into the weekend... We’ve crowned our November Member of the Month. Join me in congratulating Lisa Acu ñ a (@lismox) for being selected this month’s winner! We all appreciate your help around here, Lisa. Each month we look to crown a new winner. We’re looking for someone who is super helpful and active in the community. Each winner receives a $25 gift...Read More...
Not a problem, @Lesley Michele .Read More...
Thanks Average Joe😁😁😁😁Read More...
Last Reply By AverageJoe · First Unread Post

How to Organize Your Financial Life With a Budget Binder

Ashlee
Having troubling keeping up with everything in your financial life? A budget binder can help. Here's how to make one! Have you tried this approach to budgeting? I would love to hear more about your budget binders.Read More...
@MountainFan , I'm a big fan of TBM. So glad I found her method!Read More...
After reading some of The Budget Mom's posts, I was looking into making something like this for my home. I was so happy to see this article from The Penny Hoarder shortly after, it was uncanny! I like to combine this idea with bullet journaling a little, making my own mash-up version. I love it.Read More...
Last Reply By KellyFromKeene · First Unread Post

Happy November!

Ashlee
We’ve made it to the end of the week and the start of a new month Penny Hoarders! Who here can’t believe it’s already November? 😳 This week I want to know if you’re a planner or a procrastinator… Do you start planning and budgeting now for holiday purchases or wait until the last minute? What about your New Year’s resolutions? And now for this week’s announcements… We just hit a HUGE milestone Penny Hoarders… 10,000 community members! Join us in a celebratory happy dance, then go check out...Read More...
@Susan L. Miller We have used Freecycle off and on for years. We got the foot and headboards for our queen-sized bed through the program. We have seen many items we no longer use go to other homes that would use them and recommend it heartily! We have also used our "Marketplace" here in our area on Facebook to buy and sell things. There are so many ways to go and programs to use! Happy selling...and as one of our mentors says "Think..and grow RICH!"Read More...
I'm not sure how many were here when I joined the Penny Hoarder Community, but I do know that it seems as if we've grown by leaps and bounds. I've met some interesting people and like having information and ideas coming in! May we continue to grow in numbers as well as in wealth.Read More...
Last Reply By AverageJoe · First Unread Post

Hello, everyone! Nice to meet you!

Ashlee
Hey, everyone! I am Ashlee, your new Community Ambassador. I have worked at The Penny Hoarder since the beginning of the year. I am super excited about my new role in the community and spending more time getting to know all of you here! And, in case you were wondering, my top financial goal right now is saving for the long term. So now for my first official announcement... First, some big news! W e've put together a member survey that will help us better help YOU on your way to accomplishing...Read More...
Hey @BeckAtsila , welcome! Glad to see you here.Read More...
Hi @BeckAtsila , it's nice to meet you!Read More...
Last Reply By KellyFromKeene · First Unread Post
Budgeting isn’t easy. But whether you’re trying to cut spending to save for that new house or you’d like some extra money to put towards your credit card debt, establishing a budget that works for you is essential. Which is why we’ve created the Budgeting Bootcamp experience. The bootcamp is a two-week program that will teach you how to establish a budget from the ground up and then actually stick to it. Every couple of days you’ll receive helpful tips and tricks for creating your own...Read More...
I absolutely agree with Annie B. Then you can begin to get your finances in order. Your husband has dug a very deep hole, but you can dig out slowly. First and foremost, no co-signing for ANYONE once you get back in the black, EVER! Then you can use all the good information on here, like pay yourself first. Start a savings and even if it's only $5 a pay to start, DO IT! As you get things under control, you can raise it. So much good information on here, but you have to either get counseling...Read More...
Unfortunately, I think that you have a marriage problem that is manifesting itself as a financial one. You have a husband who wants to spend what he wants when he wants to, with no regard for your (joint) finances and your feelings and stress level. I would recommend marriage counseling - IF you want to save your marriage. If not, separate your finances and don't give him access or knowledge of anything you are squirreling away. Talk to a lawyer who can advise you of the laws in your state...Read More...
Last Reply By dboothe · First Unread Post

Excel Entire Year Budget Sheet!

Heather LeGuilloux
Last year I started budgeting for the first time. It was confusing to figure out at first, and also scary to see all those categories and spending limits. But after a few months, it became second nature to write out the budget and go through the statements at the end of the month to make sure these budgets were held in place. When I first started with our budgets last year I found a printable budget that had some static categories (rent, groceries, travel, etc) but this year I wanted to find...Read More...
I created my own excel spreadsheets. I've found to be easy to plan for upcoming expenditures and to see the variation in some bills each month.... like gas and electric.... I have done this for several years and it's been eye opening to see how expenses for utilities have increased over the years.Read More...
@TheSugarFreeLife . I checked out the links and very happy to have those sources. I created my own excel sheets a few years ago, mainly for tracking where my money goes, rather than budgeting. It was an eye opener to see how much we spend on grandkids and junk food! I have not followed up to do anything with these links from Heather, but very grateful to her for providing them.......my other half is retiring this year and we will need to set up a budget, I'm sure. I am a procrastinator!Read More...
Last Reply By Shannon H · First Unread Post

Topics

Movie Sundays

Starwish
The cost of going out to see films is so high. So, I every few weeks buy an assortment of bargin bin $5.00 videos at Walmart or the local $1.00 store and have on hand. Then, almost every Sunday I have homemade popcorn, and a few movies at home. I am older, and really enjoy having my Sunday special day to look forward to. Sometimes I rewatch favorite movies / series in my collection. It is a low-cost, lovely way to spend a quiet Sunday at home.Read More...
Movie Sunday or any other day is a great idea. Why not check out your local library for free movie check outs. Our library also offers a streaming service for downloading movies and tv programs that is free to members.Read More...
Last Reply By Kathy E · First Unread Post

Have you tried the Zero Based budgeting method?

Briana
Has anyone used this budgeting method before? How have you (if you've done it) or how would you alter it to work for you?Read More...
I LOVE zero based budgeting! I get paid bi-weekly and the night before payday I fill in my spreadsheet for the next two weeks. It's basically set up like a check register. I start with my paycheck amount, and subtract EVERYTHING that I know I'll spend in the next two weeks, bills, savings, gasoline, sinking funds, taxes groceries, entertainment...everything, until it reaches zero. I even know how much I budget for gasoline for the two weeks and when I go for gas I put in half that much this...Read More...
I currently make just at or sometimes just under my monthly costs (a side hustle is a topic for another discussion). Does zero-based budgeting work even if you sometimes have more jobs than dollars to give them to?!Read More...
Last Reply By Jeanne Featherston · First Unread Post

Money management in general

As a senior citizen on fixed income, you have to divide your income income in several groups: Shelter/Health care and /Emergencies. I have to have different accounts for each of these; How can I have one account and have money divided in these groups?Read More...
Out of all the replies I have read, I like the one from Kerrye the most. But I am going to keep reading.Read More...
I have three accounts at my bank. One is savings(emergencies), one for bills, and then one where my checks are automatically deposited. I just transfer a set a amount every month from my account into the other two accounts. Anything left in my account I can spend.Read More...
Last Reply By [email protected] · First Unread Post

Out on sick leave

1cent
i ended up in the hospital and was out of work 3-4 weeks. I have sick time but it’s paid out in December. I was out last year and determined not to use all my time. I took 2 sick days a week and waiting for the HR to get my private disability in. I have a dr appointment with surgeon next month so I asked to return to work meanwhile to get a full check. I’m in pain but can handle it as I work 4 days 9-14 hour shifts. I like to go out in the winter if I had to have more surgery. Use my...Read More...
I wish I had advice for you.Read More...
Last Reply By MsKimberly · First Unread Post

Budgeting Apps?

Katie Gabriele
Can y'all talk to me about EveryDollar vs Mint vs YNAB? We've tried using an Excel spreadsheet and it's just not working for us. We like the idea of our credit/debit card transactions being automatically inputted. We'd prefer a free program, which is why we're leaning towards Mint, but if another program is worth the money spent we're open to it. So what's the favorite around here?Read More...
Cool! I've never tried the apps because I sit at a desk all day so keep my spreadsheet on the Google Drive so I can see it anywhere. I like it since I can go in and put expected expenses in (and if they change can tweak it). I watch tons of YouTube videos too about budgeting. We've got this!Read More...
I've tried Mint, EveryDollar, PocketGaurd, and a few more random apps. So far.... nothing really helps. I have found that my bank is usually the problem- it never stays connected. I have a state FCU that's pretty small, so that may be why. But I liked Mint while it worked. I like the concept of EveryDollar though, as it allowed me to sort of visualize my savings better by actually setting budgets for things. I started using my Google calendar to input all my bills, and that helps me budget a...Read More...
Last Reply By Jeanne Featherston · First Unread Post

How do you distribute your income?

Hi, My husband and I both work typical full time jobs and I was basically paying the minimum on my loans and credit cards. However, we recently inherited a very large collection of comic books dating all the way back to the 30's and 40's. Right now we are working on moving these books for additional income and so far the amount we're making is so great we've had to claim ourselves as small business owners selling out of our home. My question for everyone is, how should I distribute this...Read More...
Hey, my earnings come in Kenya shilling but the principal is the same i bet.percentages.That is: 10% Tithe 30% personal needs 40% family 10% savings 10% charity Ithen share out the percentages according to the budget.what I cant then is pushed to the next month with first priority. Kinyua On Tue, 10 Sep 2019 at 17:36, The Penny Hoarder Community < [email protected]> wrote:Read More...
Personal loan 150Read More...
Last Reply By John Kinyua · First Unread Post

Paying Off a Loan Early

Kirsten Cherry
The very first loan I ever got was for a used car. I had found out I was pregnant a few months prior so my husband and I went to the local dealership to find a good deal on a safe and reliable “family car”. I wouldn’t say it was the best financial decision we ever made, but we love our Pilot and now we would love to pay it off. I just did some calculating and with just my side hustle money, I will be able to pay it off over 2 years early, saving about $1000 in interest. And that is with me...Read More...
I see you said you put back money for charity. I had someone comment on one of my posts and part of what they said was to put money back for charity. Is this something most people do? What, aside from being an upstanding citizen, is the reason people put money aside for charity instead of using that money to pay off debt and once the debt is paid off then worry about distribution to charity? Is there a financial benefit or is this just a preference for some people?Read More...
I'm currently looking into refinancing my car loan with a credit union because I've heard good things. The 3% is pretty incredible and it's what I'm shooting for! I currently pay 5% but it's worth trying to get it down a bit.Read More...
Last Reply By Hanna · First Unread Post

Is there a particular budgeting booklet

I was looking for a guide or instruction sheetRead More...
Yes, I don't know of a one size fits all way to budget. As people have stated, try a google search, and if you are looking for particular features, include that in the search. if you don't know what you want, just start scrolling through them. I have a basic one that i use; if you are interested let me know and I'll send it to you.Read More...
Just google templets in excel I am assuming thanksRead More...
Last Reply By KellyFromKeene · First Unread Post

TRIM Services

Hi Everyone - I am curious to know if anyone uses Trim and used them to help with lowering your credit card ARP, building a budget, and other money saving tips. I do know they charge $10 a month. Pros or Cons?? ThanksRead More...
Thanks Drew. I think I will try and use them for a few months. Appreciate the feed back.Read More...
Hi All, I have used Trim in the past for bills and it worked great. Are you sure about the $10 fee? I'm pretty sure if you use the Facebook connect and simply want to lower certain types of bills they just take a cut of your bill savings over the next n years. I have it hooked up to my account and am definitely not being charged $10 a month. So looks like depending on the bill it may be a monthly fee or it may just be a percentage of the savings. I would bet that some negotiations (internet...Read More...
Last Reply By Leon · First Unread Post

Hi

Please what's a budget looks like?Read More...
Hi all. I meant a sample pleaseRead More...
Are you asking about form or different budgeting methods? Here's a link about a few kinds of budgets. https://www.thepennyhoarder.co...g/budgeting-methods/ And attached are a copy of some simple spending tracking and budgeting forms I use at work. If that doesn't answer your question, let me know!Read More...
Last Reply By Jean Fritz · First Unread Post

Can Drinking Coffee Affect Your Finances?

Moore Income
Today I am sitting at a coffee shop working away on my computer before I head to my job. But instead of purchasing a coffee from the shop, I brought my own coffee from home. Why you may ask? Because a cup of coffee can cost upwards of $5. I am a huge coffee drinker but $5 cups of coffee tend to add up over time and before you know it, you have spent quite a bit on a cup of jo! I have started coming here regularly and have noticed there are people who come in every morning to buy a cup of...Read More...
@AverageJoe I hear you. I usually just drink coffee at home or stop at McDonald's for my senior coffee but when I was having to get multiple multiple biopsies back last fall at UAB Hospital there was a Starbucks on the 2nd floor I would buy me one because something good had to offset the pain of those things. But that was about 5x so now it's back to homebrew. I did not go once when I had radiation treatment of 20 rounds. I was good and took my treatment and went straight to work. No coffee.Read More...
Coffee is my kryptonite. I realized how much money I was spending on coffee and started drinking it at home (Whole Foods has an excellent store-brand dark roast for about $4 a can) or at work (I work in a restaurant). Then I took the money I saved and invested it, and I plan on cashing in the fund soon to take a trip to Iceland. I still get a cup of coffee at a coffee shop occasionally, but I take the mindset of "How long do I have to work to afford that cup of coffee?" I find that a lot of...Read More...
Last Reply By charlottel · First Unread Post
Page

Apple iOS apps in Canada

Son-Yin
What Apple iOS apps do you recommend for budgeting and cash flow that are available in Canada?Read More...
@Son-Yin see if an app called Banktivity is available there. I've been using it for years. It was called iBank but the name changed a couple of years ago. It'll direct connect with your financial institutions. The latest version includes budgeting but also added an envelope budgeting feature! It makes tracking where you spend much easier. It's a Mac native app, not on PC or Android. It syncs really well between your desktop and iPhone so you always have your financial information with you.Read More...
@Son-Yin ^ Heather's answer in case you missed it!Read More...
Last Reply By Ken Lyons · First Unread Post

Budgeting tips

NanaWaller14
Dave Ramsey has a great budgeting tool that's free. "Every Dollar". Also, the envelope system and using cash, never credit cards is the only way to go. We did it for years, and it's amazing how much you save! Unfortunately, we used all our cash when we built our new house and got out of the habit of using cash. So, now I'm trying to get back on track and can't wait to get it all together again. My husband has absolutely no interest in going over all the numbers. He just leaves it all up to...Read More...
What app do you use for receipts?Read More...
The envelope system is good just have to use a app for recites keep track of everythingRead More...
Last Reply By NanaWaller14 · First Unread Post

Budgeting as a Couple

The Saving Scientist
Hey Hoarders, When I was growing up, money was always a topic that involved arguments, tension, talks of divorce and screaming matches that were enough to arouse the biggest fear in a young child. As a result, I've always grown up believing that money was a taboo topic. That it's rude to ask people how they deal with money, or debt or manage their budget. I believe this to be one of the biggest stumbling blocks of our generation (or any generation for that matter). We're ashamed of money -...Read More...
Nice, @Veronica , congratulations! Sounds like you really have your finances in order together.Read More...
@Veronica It is so true that financial issues are one of the biggest causes of stress in a marriage. That is why it is so important for people to work hard to get their financial house in order. The stability that comes from having a good handle on your finances is something that is really lacking in a lot of households.Read More...
Last Reply By KellyFromKeene · First Unread Post

How to get better coupons

barbara mariottini
when i see a product i need i purchase it i then get home email the manufacturer tell them i like there product ask them for cuopons give them my name and address and them to mail it to meRead More...
Yes thanks for the good ideas for guitar strings at this time we are very Bless Thank You Lord To Have food pantries in our area in Utah any tips or tricks You have learn on how to get free grocery ?Read More...
yes, I have. Mostly with grocery items. I let them know my family & I love their products. Most are generous to send coupons. I saw you were interested in guitar strings, also google contests for guitars, music stores, etc......that also may help you achieve your goal of free guitar strings. Or contests for Visa cards, paypal, etc.Read More...
Last Reply By bcraig · First Unread Post

Teacher Budgeting for the Summer

TiffanyConnors
Any teachers (or spouses of teachers) out there with tips for budgeting for the summer months? My husband is finishing his first year as an elementary school teacher, and we're preparing for 10 weeks without his paycheck. (His school doesn't offer the option to spread the payments throughout the year.) We've saved throughout the year to cover our basic expenses, but I'm wondering how other teachers adjust their budgets for the summer months. Thanks!Read More...
When I was in school, teachers were paid for the summer. I agree with Bonnie Squires. How about teaching online?Read More...
Hi TIFFANYCONNORS my be your husband could teach online some thing like vid kid there others out there like vid kid. They all have different pay.Read More...
Last Reply By MsKimberly · First Unread Post

Has anyone put carbon offsets into their budget?

Adam
For Earth Day I was talking to an environmental professor about saving money and helping the environment. He had a simple but profound idea: When buying services that are necessary but bad for the environment (like a long flight), factor in the cost of something called a carbon offset. Basically, carbon offsets are small investments in green programs like replanting forests or conserving land. There are calculators that tell you how much pollution your small purchase is offsetting, and it's...Read More...
@Adam I love this idea. I recently joined Arcadia Power after an article The Penny Hoarder published. It's wonderful knowing I'm making a difference without it costing me anything. This, however, would take me a little further down the right path. Thank you for sharing this!Read More...
Ah TY for letting me know. The link should be working now, and good luck implementing his idea! Let me know if it works out for you.Read More...
Last Reply By TheSugarFreeLife · First Unread Post

Budgeting and saving money.

Tlawonn
I'm starting my own cleaning business...well taking it over all on my own. I want to budget my income...and start saving ...even if it's small at first. I need financial literacy. I've signed up for a quick books class... Unfortunately it don't start till the fall. I'm extremely busy ATM. But any quick info..ideas...tricks, if u will...would be greatly appreciated and put to the test. I need a spreadsheet or something to organize my income and bills to pay...etc. help......if u can🤣🤨🤪Read More...
Also once you look at some of the others, you could probably created your own that's catered just for youRead More...
Sounds like a fun little venture. I wish you the best as you get started! I always like to check Udemy for training on different topics. I searched for Quickbooks and found these 3 FREE training courses and they have quite a few that are paid. You can also get training on a bunch of other topics related to business. If you search on the site and then click on "All Filters" you can select to see only FREE courses on the topic you are interested in. For their paid courses, usually you can get...Read More...
Last Reply By BJLEE · First Unread Post

How Did Your Upbringing Shape Your Relationship with Money?

ERoberts
Growing up with divorced parents allowed me to experience the benefits and consequences of two very different financial journeys. It was fascinating to watch how my mom and dad navigated their finances with one thing in common: me. My dad: an OG penny hoarder with a military mindset of caring for everything to make it last almost too long. My chores included carefully folding t-shirts, polishing our wooden tables "never against the grain", and passing him tools as he laid under our cars to...Read More...
I never knew we were not rich. I was raised in a small Midwest farm community and there was not a lot of diversity in incomes that I was aware of. My parents were children during the Depression so that ingrained a lifestyle when they were adults that they passed along to me. I went a little nuts when I started making my own income, but I also ran into some very lean years when I had to put everything on a charge card and that "sobered" up my frivolity pretty quickly. It did not take long for...Read More...
OLIVIA thank you very muchRead More...
Last Reply By mintjulep · First Unread Post

What do you do when you have a surprise expense?

Melissa
What do you do when you have an expected expense? Do you pull money out of your savings to pay for it? Or do you put it on your credit card?Read More...
It depends on how large an amount it was. We would gather it by skimming from budgeted categories or taking it from food cash.Read More...
We had some car troubles on both of our cars the last few months. It has cost us around $1200 to get it all fixed and we didn't have to dig into our savings. We decided to pay what we could with our debit card, then put the rest on our credit card and pay off the credit card when we get our next paychecks. It worked out perfect! We used to do something similar with money from our savings. We would transfer it to our checking account to pay a bill, then put it back once we got paid. We hated...Read More...
Last Reply By Olivia · First Unread Post

Who has a budget for online activity like hosting?

Deon Christie
Making a few extra dollar on the side may require an online budget. Especially when you have to up your game and compete with other professionals. My personal online budget is for things like hosting, plugins and autoresponders. There is also the monthly expenditure for indexing and Google Ads to stay ahead of the game. These are the kind of expenses newbies walk in on, often discourages them to keep going. Yes you can make a little on the side without spending much. There are countless...Read More...
DEON CHRISTIE i never really though about this great post. thanksRead More...
Last Reply By Bonnie Squires · First Unread Post

For Richer or Poorer: Share Your Thoughts on Joint Finances

ERoberts
I know that it is customary to join bank accounts after saying, "I do"...but what about for those who don't want to? Marriage isn't on the horizon for me anytime soon, but I am curious about how your relationship with your partner and your money changes after deciding to join forces. I have a few questions, too: Do you take on your partners debts? Does this affect your credit score? How do you justify purchases that your partner does not support? I want to hear the good, bad, and the ugly. GO!Read More...
I think you have a great understanding @Shannon H . And I'm not entirely surprised by you being the "Responsible" one. Us boys tend to be a little more reckless most times. You know the saying " Men are separated from boys, by the price of their toys ". Which is where I fit in perfectly...lol!Read More...
We have a joint account & have been married for 17yrs. For the last 10yrs, I have been a stay-at-home parent. We have a credit union account, so it is like an umbrella with many different accounts under the main number. We both have our own spending accounts with monthly allotments to spend how we choose & we have our own little accounts with money given to us for birthday, Christmas, etc to also spend as we wish. It works for us. I look after the day to day finances & we...Read More...
Last Reply By Deon Christie · First Unread Post

Grocery shopping for lower prices

I am presently driving to and shopping 3 different grocery stores to compare prices. Publix, Walmart and Aldi's. Walmart and Aldi's are pretty close in price so I am realizing it might not be worth driving to Aldi's just to save a few pennies, plus their inventory is very small compared to Walmart's. I love Publix the best but their prices are so high. I guess I am paying for good customer service and good products. Walmart CS is horrible. Aldi's is good if you can find someone. Example: 2%...Read More...
I'd add that Aldi only lacks in variety of different brands offering the same product. But it stocks most items and produce that Walmart does. However, the cheapest own brands of Walmart tend to be cheapest than Aldi's products. Otherwise Aldi's products are usually cheaper and similar quality. I'm not surprised Walmart CS is awful since their staff wages are awfully low. I can't talk about Publix, I don't know it.Read More...
I have been tackling the food budget for the last year as this is a controllable expense that I feel our family could do better on. We are a family of 5 and spend about $150 weekly for the big haul and then $40 a week on milk or fruit (things we run low on that perish quickly). We drive an extra 5 minutes to a less expensive grocer, the Market Basket, and I always check out the clearance sections. I can pick up yogurt for 10 cents, a pound of produce for $1, etc. I also have cut our grocery...Read More...
Last Reply By Mar Becerra Martinez · First Unread Post

Do you budget in for gift?

Bonnie Squires
i was wondering if any one budget in for birthday,Christmas or any other gifts? All so do you buy things on sale or buy gifts all year round. If i can get a good deal I'll buy a gift ahead of time. Like now the dollar store having 70% and 90 % off different things. Some things I can get for my grand kids now for birthday and Christmas gifts. Which doesn't cost much. Most things are .03 cents to .10 than bigger things or name brand like froze are $1:30 or a little more. I usually just use my...Read More...
@Faye very interesting what you give for gifts. Thanks for sharingRead More...
@KellyFromKeene that's great the way you do things.Read More...
Last Reply By Bonnie Squires · First Unread Post

School Fundraisers

FreebiePharm
As a mom of 3, I usually do not participate in most school fundraisers, but still feel guilty. Does anyone set this into their budgeting?Read More...
I was with some friends with elementary and middles school-aged children and they were talking about their frustration with school fundraisers! Schools around here have about 5 fundraisers a year. One really cool thing a mom in the group I was speaking to does, is she gives each of her kids a "fundraiser" budget for the year. They get to decide what fundraiser they use it for. They can spend it all on the jog-a-thon or buy a candy gram from the valentines fundraiser and some chocolate bars...Read More...
I use to feel guilty because I couldn't afford the fund raiser at school but usually there was all ways a teacher or some one who would buy from our kids so I didn't have to worry about it. I'm glad now that our son is older and don't do these any more. But we have a granddaughter who just started school but hasn't asked us yet/Read More...
Last Reply By Kirsten Cherry · First Unread Post
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