Money Matters: Four ways to teach kids to save

Piggy bank from German bank HASPA, around 1970.

Money Matters

Four Practical and Effective Ways to Teach Kids How to Save

Ages one through six-years-old is the perfect time to teach your kids about money. Teaching them in their formative years about the value of money and how to save effectively will definitely build a strong financial foundation for them. If you’re going to impart lasting wisdom and knowledge to your kids, it might as well be about managing their personal finances.
1) Be intentional. Decide that it’s something you want to teach your kids in the long run. This means you have to plan it out and follow through with your goals. If you truly see the value of what you want to teach your kids, you wouldn’t give up or stop. It’s best to start teaching them about money while you can still influence them. Once your time is up (teenage years), you and your kids might come to regret it.

2) Make it fun. Most people hate math because it’s “boring.” Don’t let your kids feel the same thing just because saving money involves numbers! The only way to make your kids love saving is by teaching them how it could be so much fun.

  •  Books: Who says reading a bedtime story always has to be about fairy tales or your horrible recollections of that embarrassing experience you had when you were 12? You can inspire your kids to save through books that teach them the value of saving money instead. Try the books Dolly Parton’s A Coat of Many Colors, or The Berenstain Bear’s Trouble with Money by Stan Berenstain.
  • Toys: You can buy cash teller machines or cute piggy banks to encourage them that saving money can be a lively and fun thing to do. Play games with your kids. Add little colorful piggy banks at every corner of the house and tell them it’s a challenge to “feed” your house pigs coins to keep them healthy. The possibilities are endless.
  •  Shows: Expose them to television shows that show how important money is, like Cha-Ching in Cartoon Network.  You can search for other resources online.
  • Apps: Do you know a kid who hasn’t played a touch-screen app yet? Kids are definitely regular users of smartphones and tablets, and like you, they deserve apps that encourage the better use of money. Download apps: Life Quest, Kids Money or Virtual Piggy.

3) Trust them. Your kids will love it if you treat them like adults. Trusting them with money and believing that they will do good with it will boost their confidence. This way, you’re effectively showing them they’re more than capable of handling and managing money. Try to be their “savings buddy” saving. Give them challenges or ask them for “help,” anything that would make you and your kids save for something. If you all reach your common goals, then your kids will definitely be more motivated in saving money. Don’t forget to be encouraging and supportive all the time.

4) Finally, practice what you preach. If you constantly teach your kids about saving money and yet they see you indulging in a ton of unnecessary things, you might as well give up on raising money-savvy children. Kids are the best copycats. They look up to you. Mommy and Daddy are their first superheroes and idols, and it’s only natural for them to follow whatever you’ll do — the good things … and the bad. So always be cautious around your children because, most times, they’ll follow your example — even when you don’t want them to.
Your children’s financial success depends on you! The earlier you start teaching them about savings, the better off your kids will be in the future!

About the Author
Jep Barroga is a freelance writer and blogger for MoneyHero, a Hong Kong based finance portal that provide unbiased information on loans, credit cards, and other financial products. Jep will be sharing more information about teaching kids to save money next week. He will share with us his favorite apps to use to make it a fun and memorable experience.

 

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Oysters 3 Ways: Super bowl food from the sea -Friday Linky

oysters 3 ways

*affiliate links may be present

With the Super Bowl approaching, it is the perfect time to pull out those favorite food recipes. One of our favorites? . . . . . Oysters!!!

Oysters 3 ways

OYSTERS WITH CRANBERRY-HORSERADISH RELISH

  • 2 cups fresh or thawed cranberries
  • 2 small yellow onions
  • 2 lbs. fresh horseradish, peeled and finely grated
  • 2 cups honey
  • 2 tsp. salt
  • 1  tsp. nutmeg
  • 2 tsp. ground cinnamon
  • 4 carrots, grated
  • 3 large apples, peeled and grated fine (Granny Smith)
  • 3 ” piece ginger, peeled and grated fine

50 oysters in their shells, scrubbed clean (For 25 oysters – divide relish ingredients in half)

Pre-Heat oven to 450° – prepare relish – Purée cranberries and onion in a food processor until blended smoothly. Place in a bowl; add horseradish, honey, and stir together. Add remaining ingredients (no oysters). Combine well and marinate 30 minutes.

Roasted Oysters
Scrub oyster shells clean. Place clean, oysters (rounded side down) in roasting pan, stack up to 2 layers, and pour 2 cups water into bottom of pan. Roast 20–25 minutes until shells pop open.

Transfer pan to rack, and cover with towel. Oysters will steam a bit under cover. Once cool enough to touch, use an oyster knife to remove the upper portion of shell.  Serve on the half shell with cranberry-horseradish relish on the side.

southern fried oysters

Southern Fried Oysters

Shuck oysters and add to a bowl with most of the liquid. Heat 2 tablespoons olive oil, or coconut oil in a cast iron skillet (others will do, but “Southern Fried” is more official with cast iron) Place flour as needed into a shallow bowl. Dredge individual oysters through, adding a light coat of flour to each and add to hot skillet. Brown quickly, flip and remove from heat as soon as oyster is golden brown on each side. Serve with cranberry horseradish relish, with fresh horseradish, or cocktail sauce.

homemade oyster stew

Oyster Stew          

  • 5 tablespoons butter
  • 2 cups milk
  • 2 cups heavy cream
  • 2 pints oysters with liquid
  • salt and pepper to taste
  • dash of cayenne pepper to taste

Chopped green onion to garnish and/or oyster crackers Cook oyster liquid, milk, cream, and half of the butter and bring just under soft boil. Add oysters and bring back to boiling point. Remove from heat.  Ladle into bowls. Top with bits of remaining butter, cayenne, chopped green onions to taste. Enjoy with oyster crackers or without.

 

linking up: Fabulously Frugal, Organized 31,

 

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6 Major Benefits of Family Homesteading

benefits of family homesteading

There are many aspects of homesteading, and the challenges are great, but the rewards are even greater! These are only a few of the major benefits of family homesteading:

Homesteading shows you what matters most

Homesteading brings you back to basics. It changes the way you look at things, the difference between wants and needs become much more clear when in most other modern day life, the lines are much more blurred.

It is a Journey towards self-sufficiency

Homesteading is a lifestyle, a way of thinking, getting back to nature, back to the land, a journey towards becoming self-sufficient. There are many different levels of homesteading, and even for those who live in the city, changes can be made which will set you on that journey and enable you to incorporate various aspects of the homestead life into daily activities.

Homesteading is a Rewarding endeavor 

Homesteading moves away from the “instant gratification” that comes along so often in today’s culture. There is a lot of hard work that goes in to the entire process of becoming a homesteading family.  There are plants to be tended, animals to care for, and always plenty of work to be done. It is also one of the most rewarding endeavors one can ever undertake!

Satisfying and Healthy 

When you sprout seeds, nurture and harvest them and place them on the table – there is not much that is as satisfying as this back to basics, provision for the family and honestly, well, the food just tastes better!  Although it takes a lot of hard work – it also creates joy and provides a deep feeling of satisfaction in knowing you are making healthy choices for the family. Growing your own food is one of the healthiest life choices you can make these days.

family homesteading

Homesteading Teaches Respect 

Most people rush off to the grocery store each week and fill the cart full of various meats without ever fully appreciating what it means. There is a loss of life, a sacrifice which has taken place to put that meat on the table. Sadly, most people never have a full appreciation or develop respect for what it means to be a meat eater. It is easy to forget where the food we so often take for granted, comes from.

There are sometimes hard choices and difficult tasks that must be done to maintain a sustainable lifestyle – but in the process, there is a respect for the animals God created. There is a connection between the animals and the sustenance, an appreciation.

Deep Sense of Gratitude and Belonging 

There is an attitude of gratitude which comes from investing time, work, and effort into homesteading projects. The end result is something to be proud of. For children, participating in the work to feed the family, can produce a strong sense of belonging. They understand early on that each member of the family plays an important role. It builds self-esteem, and deeper character.

Although it takes a lot of hard work – it also creates joy and provides a deep feeling of satisfaction which can be hard to find otherwise in today’s society and fast paced lifestyle.

 

These are but a few of the many benefits of family homesteading. Most often, it does not happen overnight, the change of mindset to that of a homesteader. Even taking small steps towards a more back to basics lifestyle can make a positive difference in your life. One step at a time – works for me!

Do you have some simple tips for those who want to begin a journey towards a more back to basics lifestyle?

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DIY Cornhole: frugal family football fun

DIY Cornhole

There’s a whole lotta’ buzz about football right now as families across America prepare for the Big Game!

Football and food aren’t all the fun to be had during the Super Bowl – cornhole goes hand in hand with tail gate and back yard parties surrounding the game. As a matter of fact, cornhole is so popular, it is officially a sport in it’s own right. Cornhole even has it’s very own National Association.

Watch the Video by the American Cornhole Association HERE

To purchase these game sets – you will spend, on average of about $124 – $250 . . . . . . or you can go the frugal route.

Get step by step instructions on how to build your own cornhole board paint it and make bean bags HERE. 

Be sure to check out these fun ideas from Pinterest for Super Bowl Food!

super bowl party food

Big Game Food

 

Super Bowl XLVIII Viewing Information

DateSunday, Feb. 2

Where: MetLife Stadium in East Rutherford, N.J.

Start Time: 6:25 p.m. ET

TV Info: Fox

Live Stream: FoxSports.com

Mobile: Fox Sports Go Mobile App

Spread: Denver -2 (via ScoresAndOdds.com)

 

Are you making frugal family football plans for the Super Bowl?

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Frugal healthy lunch ideas: works for me Wednesday

frugal healthy lunch

Frugal healthy lunch ideas from Midge

Hi all! It’s Molly’s cousin Midge here. Molly knows I’ve been working hard to find new ways to be frugal and for this new year – I’ve set some personal goals for my health as well.

Fortunately for me, my Molly Green magazine membership will allow me to have exclusive access to the Dine on a Dime menu planner from Build a Menu (coming soon) AND I get a big discount on a full membership to BAM which includes the fabulous Trim Healthy Mama recipes to help me even more.

Now, I know you may be thinking “lucky Midge – being related to Molly and all”  but, this is not just a family deal - YOU get the same benefits with a Molly Membership – see,  you can join the Molly Family too!

So now, about those frugal healthy lunches . . .

I’ve been making my very own kind of “Lean Cuisine” meals for the week.  When I do my batch cooking  or prepare evening meals – I set aside food to build the lunches with the tips as follows:

  1. Measure 1 cup of extra brown rice to add to broth. Freeze in baggies for quick access.
  2. Place portions of rice in freezer containers and add chopped veggies for a frugal, healthy homemade lean cuisine.
  3. Use broccoli stems to chop small pieces to add to rice for lunch stir-fry or to salads.
  4. Use the tops of tomatoes and bottom portion and chop for a fresh pico de gallo - to add to beans, salad, or chicken,  a Mexican rice dish or fish – for an instant burst of flavor that will light up your taste buds!  pico de gallo
  5.  Use tops and bottoms of white onions and peppers you might normally toss out for the same purpose. Chop ‘em small and throw them into sauce or soup too.
  6. Freeze washed berries and grapes individually on a tray and then divide them into portion sizes for your smoothies and health drinks.
  7. Chop bite size pieces of leftover meats – chicken, fish, steak – and freeze in portion sizes to go into your rice or healthy pasta for a protein boost at lunch.
  8. Once cooled, freeze lunch size portions of your homemade chick broth  in Mason jars or other freezer containers – add leftover rice, chicken, and veggies for a hearty hot lunch.
  9. Use frozen broth to make a homemade Egg Drop Soupfrugal healthy lunch: egg drop soup
  10. Freeze stuffed bell peppers  for a flavorful lunch – use leftover ingredients of rice and lean ground beef, turkey, or venison to fill them with.

Frugal healthy lunches can be yours with just a little bit of prep and planning ahead of time.

Don’t wait to get your Molly Membership so you can take advantage of the big discount for Build a Menu and have the Trim Healthy Mama recipes at your finger tips – or just use the Molly Membership to enjoy the ever frugal Dine on a Dime menu planner!

Go here to get your first month for only $1 and only $7.95 ever after. 

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5 a day: household chore planner

free printable chore chart The beginning of a new year is often the perfect time to reflect, plan, and set goals, to organize the household.  While that may sound like a terrific plan, the truth is, it can be a bit overwhelming.

One of the best tips I’ve ever received on the subject is to break things down into smaller pieces – to schedule the  daily routine into chunks of time.  When you look at the big picture, it can feel as though it is too difficult to conquer. But, when you break it down, suddenly, the unattainable becomes much more feasible.

In order to conquer my own clutter and get my household in good order for 2014 – I designed a little printable sheet to help me keep my chores and household schedule organized. I am determined to make the most of my time each day and to make the changes in my home that are needed. Download your own Free Printable here. 

daily planner chore chart

To use your free printable, download and print. Follow the sample, and choose a suggested daily chore (or add your own), then run through your daily list of smaller chores.

There is a space to do some meal planning and food prep – which will not only help you be more organized at meal time, but will also save money.

Choose from the list of suggested 15 minute jobs each day, and also schedule a quick run-through the house to freshen and pick up. Some like to schedule several 15 minute fresheners – you can just write in various times in that 15 minute slot if you need more.

Most of all, use it as a guide, and make it work for your family.

I’m learning a lot by visiting the Fly Lady. She has organizing and cleaning down to a science. I love the way she breaks down the home into weekly zones. You can follow her on her website, and learn a great deal from the brand new Fly Lady column in the all new Molly Green Magazine

Do you have any big cleaning and organizing goals this year? 

Linking with Works for Me Wednesday 

Beautiful handmade gifts: a guest post by Jessica

handmade sugar scrub and more

Works for me Wednesday

 

Introducing the beautiful designs of

Jessica from Bespangled Jewelry - Jessica also has some wonderful DIY tutorials for lovely gift ideas.

DIY Raspberry Lemon Sugar Scrub

INGREDIENTS:
(per 6-7 oz jar)
1/2 cup (4 oz.) granulated sugar
1/4 cup (2 oz.) coconut oil, melted (preferably organic)
1/8 to 1/4 tsp raspberry extract
1/8 to 1/4 tsp lemon extract
red food coloring (optional*)
DIRECTIONS:
Mix ingredients together in a bowl. I suggest starting with an 1/8 teaspoon measure of both the raspberry and lemon extract, and then adding more according to your preference. I think I ended up using a bit more lemon than raspberry.
The raspberry extract may already have some color added to it – mine did but the scrub without it was a much lighter pink than you see here. I used a single drop of red food coloring mixed in at the end to make the color pop a little more.
When your scrub is all mixed up and you’re happy with the scent and the color, spoon it into a jar and place in the freezer for about 30 minutes to set the consistency. After you take it out, you don’t have to keep it refrigerated. If the coconut oil returns to its liquid state and you’d like to firm it up, simply place it back in the freezer for another 30 minutes. (Coconut oil remains solid up to 76˚F).

How to use your new homemade sugar scrub: 

Rub wet skin with about a tablespoon of the mixture at a time, in a circular motion until the sugar has dissolved. Repeat all over your body and rinse as normal.

Why give  handmade?

  • Quality – use only the ingredients you choose
  • Personal – handmade gifts are extra special and can be catered for the recipient
  • Frugal – many options for any budget
  • Green – a great way to upcycle empty containers and goods
  • Unique – often one of a kind or uniquely special
  • Small business – the backbone of the American economy, family owned small business deserves our support
  • Love – handmade gifts are full of love -whether you make them yourself or purchase from someone who has

Handmade Gifts – Work for Me! 

 

See other tutorials on Bespangled Jewelry here : Homemade Lemon Butter Lip & Skin Balm 

homemade lip balm

 

Jessica isn’t just a talented DIY’er with wonderful gifts you can make at home – she’s a talented jewelry designer! Visit her cute little Etsy shop today to buy unique and beautiful handmade Christmas gifts for your loved ones. Go here to Jessica’s shop

handmade bespangled bracelet

Our BIG Sale for the Friday – Monday and  GREEN Tuesday ends soon  -See Details HERE and Enter our GIVEAWAY

 

What to do with leftover turkey? recipes & storage solutions

leftover turkey recipes & storage

 

What to do with leftover turkey?

Remove the cooked turkey meat from the bones and store meal-sized portions in foil then sealing in a freezer bag to store for longer lengths of time. Simply thaw and chop what you need for casseroles, soups, and other recipes.

Take advantage of  the turkey bones by browning them and using them for an extra-tasty, healthy stock.  Make turkey broth by boiling the leftover turkey bones in a large pot or crock pot, right away, then freeze in 1-cup portions for up to 6 months. It makes a frugal and delicious addition to cooked rice, in casseroles, sauces, and as a base for many soups.

turkey stock

 

Keep it simple. If you’ve saved leftover celery stalks and onion, you can throw them in for flavor. A little garlic, and a touch of red pepper flakes make a savory broth. Freeze in jars, or plastic containers after cooling.

You’ll find simple instructions here for freezing with jars from the Ball jar company. 

Recipes to use up leftover turkey meat:

After pulling turkey off the bone (or pulling out of the freezer from the meal portions frozen before)

Curry Turkey and Rice

Cook rice in a large pot according to directions, measure enough rice to be sure it covers your family as the main course.

Add 3-5 tablespoons of mild curry powder to the water, 1 -2 teaspoons of garlic powder, and a tablespoon of coconut or olive oil. When rice is almost finished, and the water has almost been cooked off, stir in the bites of turkey.

Serve with a fresh side of veggies!

Turkey Pot Pie - Southern Food.About

Turkey Quiche - Southern Food.About

Turkey Enchiladas - Taste of Home

Turkey Quesadillas  - Cooking Light

Turkey Tetrazzini  -The Pioneer Woman

 

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frugal friday

Come link up your own Leftover Turkey Recipes with us – or your other Frugal Posts for our Frugal Friday link up!

After you link up your post – go back to this same link below in order to visit other blogs & support & learn from the other participants. I’ll be pinning away! Do you follow Molly on Pinterest? 

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Simple – Frugal Vegetable Gardening: Starting Seeds Indoors

indoor veggies

Starting seeds indoors and then transferring them to larger container gardens, means you can grow vegetables for the family practically year-round.   If you choose the proper containers, you create the potential to grow a substantial amount of fresh food – right in the pots!

To get started you will want a comfortable work space with either a larger container underneath to catch any dirt that may fall, or work in an area that is dirt friendly.

You can easily spend $50 – $100 on seed starter bio-domes, or you can simply make your own.

We used a dollar store container with a clear plastic snap on lid to create a “greenhouse effect”.  We also saved our toilet paper rolls and re-purposed them by cutting each in half to make individual little cups for the seedlings.

seedlings

Healthy soil or potting soil is needed to get your little plants off to a good start. You’ll require a couple of inches of soil for each seedling cup. Add about a half inch of healthy soil into the bottom of your tray or container, then set the paper cups inside. The soil will help to hold them in place, and also serves as a way of holding moisture in your mini greenhouse.

Spoon most of the soil into the cups, then drop the seedlings into each. Large seeds will require only 2 or 3 in each container. Smaller seeds can germinate with 3 to 6. Be sure to read your seed packets and follow their basic guidelines. You’ll find links at the bottom of this post to help you decide which seeds to buy.

Cover the seeds with the remaining soil and water them in. Do not over water. Water only into the main bottom pan and not into each individual cup. The soil in the bottom of the tray should be good and moist, but not too wet. You can add extra moisture to the seed cups with a spray bottle, or by spooning it in.

Don’t cover seeds that need light to germinate with soil. Check the seed packet for special germination requirements. You can gently pat the surface of the mix to be sure it has good contact with the seeds. After placing the plastic lid on top, your seedling container is ready to sit in a windowsill or on a patio to get a few rays. The sunlight and the moisture covered with the plastic lid will cause your little greenhouse to sweat. Keep an eye on it to make sure it does not dry out.

mini greenhouse

Once seeds have taken root and have grown little root bundles, you can transplant them carefully to larger pots. Seeds that tolerate this type of planting well are: broccoli, Brussels sprouts, cabbage, cauliflower, celery, eggplant, leeks, onions, parsley, peppers, and tomatoes.

Tips for planting in pots: 

Use a quality mix with perlite and peat moss. Add fertilizer, either a dry organic product ― such as one containing alfalfa meal, or kelp meal, or other natural nutrients ― or a controlled-release type of fertilizer that will supplies nutrients over a longer time period.

Soil polymers such as Broadleaf P4 added to the mix before planting will help keep the plants moist. These are not hard to find, and can be purchased at most any garden store.

You can grow your vegetables indoors, as long as they can get about 6 hours of sunlight every day. Placing lightweight pots on a cart or wagon with wheels is important if you will have to cart them in and out every day.

While this is certainly not a comprehensive guide for growing indoors, it will get you started as you learn more about the process. You’ll need to make adjustments according to nursery recommendations in your area.

Readers Digest – “9 vegetables to grow indoors”

Better Homes and Gardens

Gardeners.com

Planting seedlings indoors . . . now THAT works for me

Linking with Works for Me Wednesday - Welcome Home Wednesday - Homemakers Challenge 

 

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Frugal Friday Link Up Party:

 

 

homemade Christmas

 

A frugal Homemade Christmas  doesn’t have to be difficult or stressful. We are running a special on the Molly Green Christmas Bundle here.

We’ve been rounding up frugal handmade gift ideas from around the blogosphere and I think we’ve come up with a little something for everyone on your list.

Check out these cool ideas from Pinterest

handmade homemade giftsupcycled crafts Thanksgiving

 

Links are below - 

Frugal Homemade Gifts

#1 Homemade Christmas 

#2 Homemade Gift Ideas 

#3 Upcycled Projects 

#4 Thanksgiving & Holiday Food 

 

Visit the A+ Interactive Math Facebook page here - tonight November 15, 8 p.m. ET to win a subscription to the all new Molly Green Magazine!

frugal friday

We’d love to see your homemade gift and other frugal ideas! Grab the button above or from the sidebar and link your post up below. Be sure to visit others to see their lovely projects. We’ll be Pinning and sharing your links!

After entering your link by clicking below, come back to click on the link again and you can click on any of the pictures to visit their blogs:

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