My Deal Savvy Son

My kids are well versed in that big “no-no” of knowing we don’t have a lot of money. Honestly, it didn’t scar me growing up and it really doesn’t seem to bother them. “We can’t have it because we can’t afford it” really isn’t something I mind them knowing.  Actually I think it is a good mindset to learn early.  So today my son(8) brought up Lego watches.

He would love a Lego watch. When he saw it in the store he thought, $5 for THAT??? CRAZY!!! (It may have been $11. At least the other son thinks so.) Well, he has been thinking about it quite often apparently and here is what he came up with. I am paraphrasing just so you know.

Son: Mom, I have been thinking that Lego watches aren’t really that bad a deal.

Me: Oh? Why?

Son: Well, when you really think of it they don’t cost as much as other watches. PLUS they can do more and have more things with them.  (I tuned out as he listed all the cool features. Bad mom).

But you know? He is on to something. He’s right. Really, he is. He convinced me. I could go pay $10 for a boring old watch for him and really, it wouldn’t do much besides get broken. The quality of this Lego watch is dubious but if he is just going to end up breaking a watch anyway it really isn’t all about long-lasting quality. It’s about his enjoyment and the use he can get out of it.

Know what? I’m going to suggest he start setting aside money he earns for that watch. Then we will go to the store and look at the “real” watches and the Lego watches, go through the pros and cons of each and see what he decides then.

Today it’s a Lego watch…tomorrow a car….or brand name shoes.

Smart spending doesn’t have to start when you are older or made a ton of mistakes. Teach them now. Teach them young and hope they don’t make mistakes we might have made.

 

 

Home Furnishings on a Tight Budget

Need a table? A couch? If you have gone furniture shopping lately, you know just how much the price tag on home furnishings has gone up in the last few years.  Even on a tight budget you can furnish your house fairly inexpensively.  To be quite honest I have found more quality products used than brand new in the last few years. Part of this is because older furnishings can be made better.

Freecycle – I don’t know how many items I have gotten free on Freecycle. Sometimes they need a little fixing up but many times they are perfect the way they are.  I have gotten a few entertainment centers that way. As I needed a different size I have passed the old on to someone else. No knobs on the door? Home Depot  or Lowes has them fairly inexpensively. No glass in the door? Get some pretty fabric remnants to match your decor and tack it to the inside or get some plexiglass cut to size at Home Depot or Lowes. Just yesterday it so happened that there were two items I have been looking for and was able to get through Freecycle – a nice table that has shallow drawers and is brimming with character and an outdoor table. The  outside table is in good shape – just needs the rust sanded down and a can of spray paint taken to it.  Do I stick to plain old white or go bold? Hmmmm…

Family and friends – get the word out on what you are looking for. Swap for something they need, give a little money or maybe they just give it to you. I was headed to Freecycle to ask for a bread machine one time.  I posted it to my Facebook friends first and wouldn’t you know, a friend had one. I was willing to pay for it but she didn’t let me. (Thank you!)  My sister and brother-in-law were given a table and gave us their old – good but not the one they needed most- one.

Consignment/Thrift stores/yard sales – there are so many treasures to be found in these stores. You just have to be patient and hunt them down. If you get used furniture, pull up the cushions to make sure there is no animal hair stuck in the edges which is a tell-tale sign of pets and if it was in a smoking home you can tell by being near it – trust me! It doesn’t have to be your favorite color either! If it is the perfect style or comfortable, buy a couch cover for it.  You still get out WAY cheaper than brand new.  Rent a steam cleaner available at many stores and give it a good clean. I also let furniture sit out on my covered porch a few days to air out.

Trash picking – haha. Yeah really. Don’t tell my husband but we only do that if he is with me and can be the one to get it off the side of the road. We have only done this  once or twice and it wasn’t anything with cloth. 

Craigslist – I haven’t done this one

What have I gotten through Freecycle/thrifting/sales/friends and family?

2 entertainment centers – passed one to my brother – FREE and $25 for an oak one
2 arm chairs – FREE and $35
1 set kitchen chairs – FREE
2 kitchen tables – one bit the dust – FREE
1 kids’ table and 2 chairs – FREE
3 bookshelves – FREE (separate places and times)
1 bread maker – FREE
1 bed frame – FREE
1 bunk bed set – FREE
4 dressers – FREE, and $25 for one
2 couches – FREE
1 air hockey table – FREE
1 breakfast table and 4 chairs – $35
3 tvs – FREE, plus I won one when I was in highschool
1 ginormous unframed mirror (4 ft. x 7 ft.) – FREE
8 Hotwheel track sets – FREE
2 strollers – FREE
bikes and a scooter (kids’ sale) – $20.50
1 outdoor picnicky table – FREE
1 office chair – $2
Stereo – promotion through husband’s work – chose something useful
Digital camera – same as above

The list could probably go on but you get it.  

Notice that mattresses are NOT on that list. There are some things “you” (I) just don’t buy used.

You know what makes me the most proud? My kids! They are getting it. They are so use to the tight budget we utilize and how we debate and rationalize whether a purchase is worth it that they will exclaim over things that seem pricey to them. Some of them are laughable but it is still cool to see the wasy they attach value in dollar signs to things. Trust me, they still get to spend money on toys etc. sometimes. They are just learning how to be smarter about it.  My hope is they retain the lessons we are teaching.

So what are some amazing deals you have gotten? Smart ways to shop? Creative ways to get what you want without killing your budget?

  
 

 

 

Garbage Day tips-protect yourself against ID fraud!

Instead of doing a recycling/repurposing food post for garbage day, thought I’d remind everyone of this safety tip. It’s tax time and everyone is going through their office/desk drawers and digging up all sorts of financial and personal paperwork. If ID thieves do get your information, it can take years to recover, so take all precautions.

Going through your garbage is one way that Identity Thieves get information. Do not put out your garbage the night before garbage day, unless it’s unavoidable. Use a shredder for important papers, or depending on where you live, burn them. Don’t throw away anything unshredded that contains your personal information. I don’t have a shredder (I’m too afraid of the boys getting their fingers in it!) so here is my funny tip–I keep personal papers in a small pile in our office. When I am ready to throw them out, I tear them up into tiny pieces, and I throw them into the diaper pail bag! That way, if an identity thief wants my info, he’s going to have to piece together shredded papers that have been fermenting in the diaper pail.

Make sure that whatever online filing programs you are using are secure, as well as your wireless internet connection.

If you are a military family, particularly if your military person is deployed, take extra precautions. A new trend in ID fraud is to target deployed military personnel, mainly because if you are overseas, you can’t see what is happening and respond in a timely manner. Sad, but true!

Be very careful on the phone and avoid phishers. No company that you do business with should be calling you and asking you for personal information. Ask to call them back.

Make sure you set very strong passwords online. Use lower case, uppercase, capitals and numbers. Always know what your kids are doing online. Keep your kids included in these conversations, as is age appropriate, so that they have the knowledge as they get older.

Pay attention to incoming mail. If your newborn baby is getting credit card offers, you may have a problem. Pay attention to what junk mail is appearing, because it may be triggered by something identity thieves are doing. Call 1-888-5-OPTOUT and opt out of pre-approved credit card offers. That way they won’t show up in your mailbox for someone to steal.

Keep only what is absolutely necessary in your purse or wallet. Consider a safe deposit box or home safe for important documents.

Monitor your credit report. At minimum, you should check it once every 6-12 months.

 

Raising Smart Readers~Read Across America is March 2.

read across americaLast fall, at one of the training workshops I went to, we had a seminar by a very well known developmental neuropsychologist. One of the areas she specializes in is reading disabilities. I heard lots of good information from her, but she did have one point she kept stressing and it applies to all levels of readers.

“The best way for your child to become a better reader is with one-on-one guided practice.” And when asked what her recommendation was, as far as length of time, she said “Twenty minutes a day.” That’s it, just spend 20 minutes a day, reading with your child and you will foster their reading intelligence. Think about it–such a small thing that can make a HUGE difference. Just 20 minutes a day, with one on one guided reading and correction–and your child can become a better reader.

Since then, I’ve been trying to stick to that goal and it’s a nice family routine. Both of my boys enjoy it and it’s always a way to bring them back down to zero, so to speak, when they start to get too wound up. The only painful part is when my 2-year-old asks me to read the SAME book ten times in a row, but that’s just a normal developmental stage. He learns something new each time, even if I don’t, lol.

This particular specialist is Philadelphia based, but speaks nationally. I linked to her site above if want to learn more or hopefully catch her at a local conference.

This Friday is Read Across America–a national initiative to encouraging reading. What better week to start this new habit!