Summer is fast approaching. Summertime is my most favorite time of year because of all the things to do. I admit going to Disneyland or cross country may not be in everyone’s budget. I have found that there are lots of activities or ideas that do not cost a lot of money. I thought I would share with you my top 10 tips for low cost summertime activities. Find Free Community Events. Your city or...

We have a very close knit neighborhood and group of friends. Some of our friends have dinner groups. This is where four families of similar size get together to cook meals for each other. Each family takes one night a week and cooks and delivers dinner for the other three families. This way, out of four days you are only cooking one night. We were invited to join a dinner group this past month. I...

I was up early this morning thinking about savings. We had an incident this past week that made me very grateful that I had a rainy day fund. This triggered my thinking about saving for emergency fund, rainy day fund and my children’s education. I don’t know if anyone has gone through what I went through when thinking about this, but I was overwhelmed. I am going to put out some rough numbers...

Higher education is becoming very expensive. That means if you have children and want to have money set aside for them to go to college you need to start saving now. There is a great program set up to help with saving for higher education. They are called 529 plans.  These can be sponsored by states, state agencies or educational institutions. Why a 529 college savings plan? I believe that I am...

One night a week we meet together as a family. We put everything away and have family activities. We will talk about important things to the family. We will have a time where we talk about our religion. We will even sing songs and read together. My favorite part is the dessert at the end. It is our boding time. We do this on Monday nights in our house. I have been thinking about an incident with...