Tuesday, April 12, 2016

What I Learned About Money from a Velveeta Cheese Box and more...



Intentional finance. Intentional family. Intentional business.

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What I Learned About Money from a Velveeta Cheese Box

velveeta cheese

Guest post by Kathleen of Yankee Homestead

The irony is not lost on me.

While my real-food adult self wouldn't touch Velveeta cheese with a ten-foot pole, I'm thankful for what I learned about money from the Velveeta cheese box as a child.

My Velveeta Cheese Bank

Velveeta cheese was a normal part of my family's diet. So it was natural for my mother to turn an empty Velveeta box into a simple bank for me.

She taped two dividers to the inside of the box to create three separate spaces. On the outside, she painted the cardboard with bright colors and added the words: Church, Saving, Spending.

Voilá! A bank!

I was about five years old then, and my parents trained me to divide my weekly allowance (and other amounts of money I received) into three portions: Give, Save, Spend.

velveeta-bank

What-I-Learned-about-Money-from-a-Velveeta-Cheese-Bank-2

My First Budget

When I turned 13, my dad took my financial training a step further. He instructed me to make a list of all the clothing I would need in one year. Next, I listed the estimated price of each item. This gave us the approximate amount of money required to clothe me for one year.

Then my dad divided that amount by 12 to arrive at a monthly clothing allowance. My first budget was born! It was my job to manage that monthly allowance in order to fund a year’s worth of wardrobe purchases.

I'm pretty sure this is what started my love affair with thrifting and bargain-hunting! It was completely unfathomable to buy a piece of clothing at brand-new retail prices, when I could find perfectly suitable items on clearance racks or at thrift stores!

All Grown Up

This financial training followed me into life as a young adult. I didn't make a ton of money as a public school teacher, but I knew what to do with the money I earned: give, save, spend.

When I got married three years after graduating from college, the only debt I carried was about $9K from an interest-free tuition loan from my dad. I didn't live in a posh apartment and my car wasn't very fancy, but I paid for everything with cash.

In contrast, my husband-to-be owed over $70K in credit card bills, student loans, and a car payment on a brand new truck. It's interesting to note that while he had received somewhat similar budget training as a child, that training had been less intentional and was not modeled consistently.

Together we worked out a plan to pay off all the debt, and with God's provision, we did so in three years — just in time to welcome our first son to the world!

Training the Next Generation

Today our family includes three sons ages 9, 6, and 2. Recently, we started the two older boys on a weekly allowance. Each boy has a box-bank with three sections: God, Save, Spend.

  • Our six-year-old received his box as a gift — it bears our last name and matches the colors of the boys' shared bedroom.
  • Our nine-year-old picked out his box on a mommy-and-me date — he's a proud Texan (like his daddy) and was excited to find a box with the Lonestar flag.

bank-boxes

The boys' boxes are a bit of an upgrade from my old Velveeta cheese box, but the cardboard dividers do remind me of my first "bank".

My husband and I are not perfect money-managers by any means, but we pray our boys will learn the habits of giving, saving and spending from the training they receive in our home.

We pray they will carry those habits into adulthood and then pass them on to their own children… just like my parents did for me decades ago, with a humble Velveeta cheese box.

Are you training your children to give, save, and spend?  Which methods work best at your house?

Kathleen Henderson lives on a few acres in Northern Virginia, where she keeps up with Mr. Native Texan, three busy boys, an assortment of chickens and an organic garden. She blogs about healthy living at Yankee Homestead, providing time-saving resources for naturally-minded mamas.

    
 

Rare! HGTV Magazine Deal! TWO Years for just $19.99!

HGTV magazine

This is such a rare deal on this magazine and it also happens to be one of my favorites!

Order a one year subscription to HGTV magazine for only $12.99 when you use coupon code MONEYSAVING at checkout.

Even better, you can order a TWO year subscription to HGTV magazine for $19.99 with coupon code MONEYSAVING — which will bring the cost of this magazine to under $10 per year!

About HGTV Magazine

HGTV Magazine is one of the most popular publications on the market that focuses on home and garden improvement, maintenance, and remodeling. Its topics and themes usually include some of the most common areas of interest featured in HGTV television shows, as well as innovative and exclusive home improvement topics that can help you update your home’s decor. The magazine offers a wide range of simple yet versatile ideas, so you can easily use them to transform any space in your home.

This offer expires Sunday night 4/17/16 at 12:00 AM (midnight) EST.

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
    
 

Shutterfly: Free 16×20 Photo Print (just pay shipping)

Get a free 16x20 photo print today at Shutterfly!

Shutterfly is offering all customers a free 16×20 photo print when you use coupon code AFFCHOICE at checkout. You'll just pay shipping — which will be around $2.99.

Valid today only, April 12, 2016.

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
    
 

Amazon.com: Educational Insights Sneaky, Snacky Squirrel Game for just $10.46

Get this Educational Insights Sneaky, Snacky Squirrel Game for just $10.46 right now!

Amazon has this highly-rated Educational Insights Sneaky, Snacky Squirrel Game for just $10.46 right now!

Sign up for a free trial of Amazon Prime to get free 2-day shipping.

Psst! Don't forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon.

Thanks, SwagGrabber!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
    
 

Target: Magnum Ice Cream Bars for just $2.17

Get Magnum Ice Cream Bars for just $2.17 each at Target right now!

You can get a nice deal on Magnum Ice Cream Bars at Target right now:

Buy 4 Magnum Ice Cream Bars 3 pk. at $3.99 each
Buy Three, Get One Free Sale
Use 15% off Cartwheel coupon
Stack with 2 $0.75/1 printables
$2.17 each after coupons and sale

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
    
 

Target: Lipton Herbal Tea for just $1.35

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You can get a nice deal on Lipton Tea at Target right now:

Buy 2 Lipton Herbal Tea Bags 20 ct at $2.69 each
Use buy one, get one free printable
$1.35 each after coupon

Thanks, Freebie Shark!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
    
 

Target: Deals for the week of April 10-16, 2016


Here are some of the best deals at Target this week, with thanks to Marcy from Stretching a Buck for her help in compiling them:

Buy 3 Almay One Coat Mascara – $4.99 each, Get $5 Gift Card
Use 3 $4/1 coupon from the 4/10 SmartSource insert (regional)
Pay $2.97 out of pocket, Get $5 Target Gift Card
Free plus $2.03 moneymaker after coupons and gift card

Buy 4 Garnier Hair Products – $2.97 each, Get $5 Gift Card
Use $2/1 coupon from the 4/10 RedPlum insert
Pay $3.88 out of pocket, Get $5 Gift Card
Free plus $1.12 moneymaker after coupons and gift card

Barilla Pronto Pasta – $1.42
Use $0.75/1 Barilla Pronto Pasta – 4-3-16 RP (Expires 05/31/16)
Use 30% Target Cartwheel exp 4/23
$0.24 each after coupons

Seventh Generation Dish Liquid – $2.99
Use $1/1 couopon from the 4/10 RedPlum insert
Use 5% Target Cartwheel exp 4/28
Submit for $1/1 Ibotta rebate
Submit for $0.40 MobiSave rebate
$0.44 after coupons and rebates

Tazo Concentrate, 32 oz – $3
Use $2/1 printable
$1 after coupon

Spectrum Organic Olive Oil Spray – $4.49
Use $3/1 printable
$1.49 after coupon

Bic Soliel Razor – $5.49
Use $3/1 coupon from the 3/20 SmartSource insert
Use $2/1 Target Coupon
$1.49 after coupons

Buy 2 OxiClean Laundry Detergent at $8, Get $5 Gift Card
Use 2 $2/1 coupon from the 3/20 SmartSource insert
Use 5% cartwheel
Pay $11.20 out of pocket, Get $5 Gift Card
$3.10 each after coupons and gift card

Buy 2 Charmin Bath Tissue, 16 MegaPlus or 30 Double-Plus Rolls – $16.99, Get $5 Target Gift Card 
Use $0.50/1 printable 
Pay $32.98 out of pocket, Get $5 Target Gift Card
$13.99 each after coupon and gift card

See the full list of deals at Target this week here.

Find

Did you find a great deal at Target? Just post about it on your blog and leave your link below. To make it easy for everyone to navigate quickly through the links, your link must link directly to your Target deals post. Links going to the homepage of your blog or any other part of your blog besides the direct link to your Target deals post will be deleted.

    
 

Why We Stopped Making Family Dinners a Priority (and what we’re doing instead)

Why We Stopped Making Family Dinners a Priority

For years, I was under the impression that, “Good families eat dinner together almost every single night.”

I’m not sure where it came from, but I certainly believed it. And every week that went by where we missed multiple nights of eating together, I would feel guilt.

I would feel guilt that I didn’t seem to have my act together enough to make family dinners a priority. I had guilt over the fact that we had made commitments in the evenings (even though they were good commitments and things that we loved and that were adding to our family in a positive way).

We’d sometimes have weeks where we were really good about having family dinners, but then there’d be other seasons where it felt like most nights we weren’t eating around the table together because life happened.

Why We Stopped Making Family Dinners a Priority

Why We Stopped Making Family Dinners a Priority

I would beat myself up about it. I’d come up with unrealistic plans to make it more of a priority. I’d consider that maybe we should just stop all evening commitments altogether.

Most of all, I just felt angst over it and I couldn’t seem to come up with a realistic fix. But I also couldn’t allow myself to just let it go and convince myself that it was okay for us to just not have regular family dinners.

Finally, after a lot of thought and talking with my husband, we came up with a unique and outside-the-box plan. We’ve followed this since the beginning of 2016 and it’s been one of the best changes ever in our family.

Why We Stopped Making Family Dinners a Priority

Why We Stopped Making Family Dinners a Priority

What We’re Doing Instead of Family Dinners

At the beginning of 2016, my husband and I sat down and reviewed our goals for the year and talked about areas we wanted to improve in. As we thought over the past year and discussed our hopes, dreams, and goals for2016, one goal both of us realized we wanted to make a big priority for 2016 was having breakfast together around the table as a family every morning.

This was one of those things that we'd always planned to do. In fact, we would often commit to it and do it for a few days, but we always fizzled out. Life happened, mornings would be hectic, and that time together talking and being together as a family would fall by the wayside.

We both committed to make 2016 the year that we actually made family breakfasts together not only a priority, but a habit… something we did without contemplating whether or not we had time, or whether or not we should do it. We wanted it to become as much a part of our mornings as getting out of bed and getting dressed.

Why We Stopped Making Family Dinners a Priority

Why We Stopped Making Family Dinners a Priority

How It Works For Us

We get the kids up around 7 a.m. and they get dressed, make their beds, clean up their room, and do their morning chores. I’ve usually gotten up before the kids and already had my time in God’s Word, so while the kids are getting ready for the day, I usually check in online — checking on emails, posts, talking with my team, and taking care of anything that needs to be taken care of before I log off to spend the morning with my family. Around 7:30 a.m., I head upstairs to take a shower, make our bed, and get dressed and ready for the day.

During this time, Jesse usually spends time in God’s Word and a little time online, and then heads to the kitchen to make a hot breakfast breakfast. Our goal is to have a hot breakfast every single morning. I’m spoiled in the fact that Jesse makes breakfast for us every morning. (Yes, for real!)

When we say “hot breakfast”, though, that term is a little loose. :) We stick to simple and quick breakfast ideas — and we usually just rotate between a few. We either have bacon & eggs, oatmeal, or Cream of Wheat. This makes prep, planning, and clean up very simple. And we all really like almost all three things (I’m not much of an oatmeal person, but everyone else loves it!)

Why We Stopped Making Family Dinners a Priority

Why We Stopped Making Family Dinners a Priority

We usually sit down at the table together around 8 a.m. and we pray and eat breakfast and then Jesse reads to us from The Fighter Verses study and we have a discussion about it.

While he reads, I usually hand-letter and/or color and the kids color in their Fighter Verses coloring books. We often get involved in pretty deep discussions as a result of what we’re talking about. Jesse’s really good at asking questions that make the kids (and me!) think and that lead to great conversation.

Sometimes, we get way off track and end up sharing funny stories or tidbits from our childhood or elsewhere, but it’s always a time that we love and look forward to.

Family Breakfasts have become our “Family Dinner”… as in, it’s when we gather around the table, hang out, talk, and share our hearts. Sometimes we have disagreements. Sometimes, we have to deal with bad attitudes. But we treasure this time.

And even if we don’t end up having dinner together around the table that evening because of other commitments, we’ve already spent time around the table together. So it’s become such a perfect solution for us at this season of our lives.

Why We Stopped Making Family Dinners a Priority

Resources We Are Using:

Why We Stopped Making Family Dinners a Priority

Do you have tips for how to make meals as a family more of a priority? I’d love hear — tell us in the comments!

(Note: The links in this post are affiliate links. Read our disclosure policy here.)
    
 

21 Days to a More Disciplined Life

   

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