Tag Archives: debt free dana

FEEL your way to Debt FREEDOM

**FEEL your way to Debt FREEDOM**



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F.E.E.L. your way to debt freedom. It’s a four step process to get out of debt. In this video I outline the FEEL technique, and describe how you can use it to get (and keep) yourself on the path to being debt free.

#DebtFreeDana #FrugalLiving

How We Stopped Living Paycheck to Paycheck

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Follow Me on Instagram @DebtFreeDana

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‘Marty Gots a Plan’ by Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0

(sighing) – Hey, guys, it's Dana and
it's time to talk about money and in this video I wanted to talk about how to FEEL your way to debt freedom. (bell ringing) Now, actually in our family,
I am not the feelings person. I am more of the practical one and my husband is the
sensitive, feelings based, one in our relationship,
so kids always say, mommy is the mean one and
daddy is the nice one, sort of something along those lines. So, anyway, feelings. Getting in touch with your feelings. That is not something
that I'm fantastic at. However, this is not about
that kind of feeling, this is an acronym, FEEL is an acronym. I find at work everywhere I go, there are acronyms everywhere and sometimes I cannot stand them, because everything has been
shortened down into an acronym. However, I was listening to
the "Bigger Pockets" podcast which is one of the
podcasts that I listen to and they were talking about this acronym that they had come up with
and they were using it in regards to real estate investing and I think it's really
relevant to getting out of debt. I find that this acronym
helped with that as well, I think it's the exact
same thing you need to do to get out of debt, to pay off everything as fast as you can. All right, so I wanted to
share this acronym with you. FEEL, which is F, F stands for focus. In order to get out of debt,
you really need to focus on what it is you're doing on your goal, your why, why are you doing it? Just like anything you're
trying to accomplish, absolutely anything, if
you do not focus on it, it is not going to happen. You must focus on it, just
like when you were dating your spouse, most likely
when you were dating them, you were really focused on them and you were spending
all your time with them, your friends were probably yelling at you, hey, you never spend time with me anymore, that's 'cause you were
focused on that person and you ended up marrying them, right? And when you first have a baby, you're focused on your
newborn baby as you should be, so, things, in order to do well at things or to get them accomplished,
you need to focus on them, so, if you're trying to pay off debt, then you have to focus on it. Not obsess over it, but
focus on it as a goal, every single day, it's
something you have to have top of mind and whether
that means putting up some kind of board in your house, carrying a piece of paper
around in your wallet with you or just having conversations
everyday, listening to different podcasts
that relate to money, watching "Debt Free Dana" on YouTube, however it is, that you can,
you need to focus on it. Have it be something
you're thinking about. Correct? 'Cause otherwise you're
just gonna be like, yeah, whatever and it's
just gonna slip away and you're not gonna ever get there. So, the first is F for focus. Second is E and that is
for educate yourself. Educate yourself on best practices. Listen to others who have done it. Listen to people or read books
on how to get out of debt, what's the best plan,
something that has worked for millions and millions of people, you need to educate yourself
on how others have gotten to where you wanna get. Same thing with getting debt free. I followed Dave Ramsey's "Baby Steps" and that has worked for our family, it's worked for millions of others, but of course there are
other programs out there that you could follow, but just make sure that you are educating yourself on how others have done it. And I really like to listen to
a lot of different podcasts, I like to learn as much as I can and I try to read non-fiction books. I'm trying to learn from others
who have been successful. And who have done things that I wanna do. If I wanna be a black belt in karate, I have to train with a black belt. Someone who's gotten there, how have they done it,
I can't just read a book and suddenly become a
black belt in karate. Correct? So I need to learn from those who have done it, best practices. The third E is to execute. You have to execute on that plan. You have to follow the steps. If you don't, if you just
listen to a lot of podcasts, which I will raise my hand and say that for about a year, I was listening to the Dave Ramsey podcast, and we were not doing the steps. We just, we weren't doing it. We were not following
it and for some reason, it didn't even occur to me to follow it, I just was like, oh, this is entertaining, that's for other people,
and we didn't do it and then until one day, if
you see that video of mine out there one day, I realized, oh my gosh, we have, we have to do
this, this is for us. We have to actually do the steps. So, this is the same thing, if you know how to do something, because you've read the books, you've listened to
others, and you're like, oh, yeah, I know how to do that, but if you're not
actually doing it yourself then it's not going to happen. You have to execute it as prescribed, follow the steps as
you are being taught to and don't skip steps, don't
try to do it your own way, because your own way has not been working, otherwise you wouldn't be
looking for help elsewhere, correct? So, you need to execute on the steps. All right and then the very
last one is to learn, it's L, learn from your mistakes. Because you are going to make mistakes. Absolutely, you're gonna make mistakes. And when you make those mistakes, don't beat yourself up. Just try to learn from it
and then you can pivot, make certain shifts, try to change, try to correct things that you don't make that same mistake again. Obviously you don't want to continue to make the same mistake. You need to learn from that mistake and correct things that you can continue to move forward. And then just repeat,
repeat, repeat, repeat. Just continue to do, to do it. Just keep on the path and
I heard someone recently, doing their "Debt Free
Scream" Monday, Ramsey show, and they were saying that they believe that the key to getting out of debt, which I actually really agree with this, 'cause I would say the key is persistence. You have to continue to
keep your foot on that path, because I fully believe
the enemy is going to try to pull you off, drag
you off, push you off, and you have to try to stay on it, but they were saying it's
not necessarily persistence, but it is patience. Patience is the key, because
it is going to take time. Some amount of time and it's
very hard for many of us to have that patience
to stick with the plan, even when we fall down, get knocked off and we screw up, it's very
difficult to stay patient and to stick with it and
keep going, keep going, keep going 'til you reach the end goal. And eventually, you'll reach
it if you just don't give up and you have that patience for it. So, yes, patience is the key, right? Repeat, repeat, repeat,
keep following the steps and keep going, keep moving
forward towards your goal. All right, so that's the
FEEL acronym, like I said, I just really liked it, I
think that it's very relevant and I think that, that's
exactly how you get outta debt. That is the roadmap for debt freedom. If you can follow those
steps then you'll get there and then why do you wanna get out of debt? We wanna get out of debt so
that we don't have payments, so that all the money you're
earning, your income is yours to do what you want to do
with it, gives you choices, you can invest, you can save for whatever you wanna save for, you're not giving your hard
earned money to the bank or to someone else, so, owing
money definitely is a form of slavery and I just, it is
something within your spirit and so, I think when you get out of debt, it just gives you so many
more choices, options in life, freedom, literal freedom. So that is exactly why, so, all right. Hope that is helpful to you in some way. If it's your first time
here, be sure to subscribe, I'm here every single Tuesday,
talking all about money and we are a family of six,
living in the Philadelphia area and that's it, I'll talk
to you guys next week, bye.

5 Frugal Habits That Save Us A Lot of Money • FRUGAL LIVING

**5 Frugal Habits That Save Us A Lot of Money • FRUGAL LIVING**



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I am always finding new ways to save money and I am excited to share these hacks with you!! I have wanted to do videos like this for a while but they are super …

SAVE $1000 for Christmas (6 Money Saving Tips)

**SAVE $1000 for Christmas (6 Money Saving Tips)**



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It might seem early to start talking about Christmas, but it’s NOT too early to be SAVING for it. In this video I discuss some ways to help you find some extra cash to save, as well as how to save $1000 for Christmas in 6 weeks. Make this year the year you pay CASH for Christmas.

#DebtFreeDana #FrugalLiving

How We Stopped Living Paycheck to Paycheck

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Follow Me on Instagram @DebtFreeDana

*Please be advised that some of the links above are affiliate links and I do receive a very small commission if you make a purchase using those links. I appreciate your support if you do, and if you don’t – no worries. We’re still buds. HUGS!

“Jingle Bells”
Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0

hey you guys it's Dana and it's Tuesday so it's time to talk about money and it's Christmas time almost not quite but almost which means it's time to start thinking about it planning for it and today I want to talk about saving $1,000 for Christmas all right so every year Christmas is the same exact day the same day every year and yet for many many years my husband and I Christmas would come and we didn't have any money saved and we would use credit cards so if you've heard my story before you know that we at the top we've had $40,000 in credit card debt and it was very stressful horrible never again right so when Christmas comes now we have a separate savings account for Christmas for money all throughout the year we just put money towards that so then by Christmas time we have our thousand dollar Christmas budget our money set everything's in there but maybe you haven't been saving all year and now you're like oh my gosh we don't have any money for Christmas what are we gonna do well it's not too late to start saving if you're watching this video when it's posted there's about 11 weeks until Christmas but usually shopping begins around Black Friday day after Thanksgiving and November most the time people start shopping at that time because hopefully you're not shopping the day before Christmas because that is very stressful so then you have 6 weeks until Christmas to save but that's six weeks that you can be saving so that you can have a thousand dollar budget for Christmas or maybe it's not a thousand dollars so step one is to determine how much money you need for Christmas right so that way you can do the division and calculate how much you need to be putting away into your separate account to save for Christmas and I highly suggest having a separate account makes things a lot cleaner easier you're less likely to touch that money or in you're more likely to save it for Christmas right so have your budget set and in order to have a budget set I think it's really good to do what Santa says and you have a list and check it twice we have a list of we have spent and for whom we've spent money on in past years because I'm very detail-oriented like that so I have an Excel spreadsheet and I put in there your the names of who we have purchased for how much we spent on them and that way it helps me to sort of trend it year to year if it's your first year doing it I I suggest keeping track of that set next year you'll be able to be more accurate in planning how much money you need and how much money you're spending for each person and then also I like to keep that spreadsheet because when the kids start school so like for teacher gifts say around the holidays when the kids start school a lot of times the teachers send home a letter with information about themselves and I like to take those letters and sort of look through it and see if there's anything in there that I can decipher about the teacher that it will give me gift ideas of what they might like around the holidays so back-to-school night same thing a lot of times they'll talk about themselves what they like whether they have kids if dogs and then I can write little notes in my spreadsheet about what they like to help me be better able to purchase a gift for them so anyway so have a list so you know how much money you're gonna need and for who and then you know how much you're gonna be saving so if you're gonna save a thousand dollars in six weeks then you're gonna need a hundred and sixty six dollars a week to be putting away to get it'll be like nine hundred and ninety six dollars or whatever but to get to the thousand dollars right so it's one hundred and sixty six dollars a week that you're gonna be saving in your separate account so you may be like I don't have any money I don't have any extra money I can't do that so if that's the case then try to see if you can cut just one expense one expense what can it be anything so try to find something you can cut out from now until Christmas maybe you want to cancel a membership that you're not using a gym membership or some other subscription service something you can cancel to help you to have more money to set aside for Christmas before it comes and you're saying a little how many money and then you start using your credit card for things which is what we want to avoid is debt want to avoid debt and pay for cash pay for cat pay with cash for everything oh okay obviously you can also pick up some extra jobs if you want to you know maybe work a night job weekend delivering pieces to kind of increase your income so you can put extra money aside for Christmas now's a good time there's a lot of opportunities when you get closer towards the holidays because all of those I mean the stores are preparing this is when they make the bulk of their money it's the 45 days around the holidays so they are stocking shelves they have a plan so we want to have a plan to save money just as they have a plan to make money but there's plenty of job opportunities like I said you can go and work for them to help stock shelves sell things so there are places to go to find work to make extra money so that you can be ready for Christmas if you're gonna say for the full 11 weeks though up until Christmas then you only need to set aside 90 dollars a week so then that way if you do want to shop the day before Christmas then ninety dollars a week right so whatever the length of time is and however much money you want to save you just obviously want to take the total amount and divide it by the number of weeks you have or the number of paychecks maybe you don't have a week maybe you and your partner you know it's just you you don't have a partner you're getting paid bi-weekly so you want to divide it then obviously you know by that number and then that'll get you to where you want to be all right you guys thank you very much for watching I'm here every single Tuesday talking all about money we're a family of six living in the Philadelphia area and if it's your first time here I'd love it if you'd subscribe and I'll talk to you guys next week and Happy Holidays talk to you soon bye

What is a reasonable grocery budget?

**What is a reasonable grocery budget?**



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If you like to watch YouTube Moms, chances are you’ve seen a Grocery Haul. It’s a video showing a families purchased groceries, and often sharing how much was spent for the week or month. If you’re like me, this can sometimes leave you feeling inadequate, if you’ve spent more than the super moms in these videos. However, there are several things to consider when comparing your food budget to others. Let’s go over them, as well as what a reasonable grocery budget is for YOUR family.

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“Marty Gots a Plan”
Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0

hey guys it's Dana and it's Tuesday so we're gonna talk about money and today I wanted to talk about the average cost of groceries alright so first off in the beginning this video I really wanted to say thank you for everybody's comments last week I was really surprised and humbled and grateful to everybody who said how much they really liked the intro so now I love it thank you guys so much I really appreciate that everybody who left the comments so um so yeah so now I'm going with I love it and we're sticking with it alright so to today's topic I wanted to talk about groceries because if you are an avid Youtube subscriber amongst many channels over YouTube if you'd like to watch YouTube channels probably you've seen a few grocery hauls a lot of youtubers do grocery hauls I have two I have done them in the past a while ago Jim my husband did them for a little while he did a series because he just wanted to share what we were buying but a lot of he'll do grocery haul is because they're big views they get they that's it like very simple playing they get tons of views people seem to like watching them the thing with that though it's it's like a really it's a it's like you get slammed with views the first week and then after that they just the video just flatlines and it's not like something that people will watch again in the future so people keep doing them every week but if you do a grocery haul series you do it every week then you have to have a thick skin because man no matter what you buy at the grocery store or how much you spend people are gonna have to say to have something to say about it three they're gonna say you spent too much money you spend too little money the food you buy is not healthy for your kids or it's too healthy you should let your kids have some junk food or you should you know buy more meat or you're buying too much meat it's just no matter no matter what you do there's gonna be people saying stuff you're gonna get hate in some form or fashion and it's really a shame because I think that all of us moms and dads we really want to provide healthy for our family we want I mean there's nobody ever who goes out shopping and thinks well I'm gonna buy a bunch of junk and it's really bad for my kids bodies I mean nobody has that intention so it makes me think a lot about how much money is reasonable to be spending on your groceries so if we're not we're not talking about which food is healthy which food is and in this video we're just talking about the money so what your weekly budget your monthly budget because again there's a lot of videos out there where youtubers spend $300 a month and you know everyone's like wow how do they do that how they spend 300 ollars a month or 200 dollars a month on food for a family how they do that and maybe that's making you feel bad maybe you're trying really hard to cut costs but you just no matter what you do you cannot get it down to $200 a month there's no way we can get it down to two or three hundred hours a month so you're thinking well what's really reasonable for us to be spending on groceries a number one I think when you're watching these videos you really really need to be aware of that particular youtubers family so dude how many children do they have is it just a couple is it just one person are they breaking it down per person how much they spend is that budget that they're showing you in the video for all of their toiletries does it include eating out so you have to be aware of that because that's gonna change how much they're spending you know if they're buying certain foods how about diapers do they have to buy diapers they buying those at the grocery store as part of that budget um so you really had to be aware of all those different factors which are going to inflate that number potentially whatever they're giving you but I went online and I went on to the USDA's website to find the average cost of food for the home and they have it listed out at four levels so let's go ahead and take a look at this so this was the most recent one that I could find was as of 2016 they're probably still working on 2017 I don't think that's out there yet or in 2018 obviously we're still in at this moment if you're watching this video timely and they have on here in the four levels they have the thrifty plan the low-cost plan the moderate cost plan and the Broll plan and then they break it down by weekly versus monthly which i think is very helpful so if you are really interested to see where you stand with your spending for your family or for yourself I thought this was great because you can look on here your age range which also is another factor to consider your age and the age of your children because if you have older children it's going to increase your weekly or monthly budget versus younger children if you are in the would see the most expensive tier here looks like it is 14 to 18 so you have a teenager then you're obviously going to be having a higher food budget most likely but you can add it up here when I added it up for our family we have six people in our family we have four children we have a ten-year-old two six-year-olds and a four-year-old almost four-year-old so when I added it up for us for my husband and I on for the four kids we were in this we were actually between at the low cost plan and the moderate cost plan so like right on we were in the middle there so a little bit more than the low cost and less than the moderate cost plan so that was it made me feel a lot better when I because I was like oh my gosh we're spending way too much on food way too much but when I did this it made me feel better because I could see here you know that we were within were within the average range so I think I think on average most people spend between 10 and 15 percent of their gross income on their food budget and I do think that that does include eating out my husband and I never eat out we don't eat out I consider eating out though form of entertainment but I know some people don't and they include that in their food budget as far as this study goes I really don't know if they are I would assume that they probably are including eating out in this I'm not sure but like I said we don't eat out so for us this was just this is just everything so if you are spending $300 a month say that's your goal then basically you would be then having two adults according to this so if you had two adults actually it'd be obviously more than that 300 hours a month for food and the with the thrifty plan so you are I mean that's really difficult to spend that amount of money on food for the month is it possible I'm sure that it is however it's really difficult to get down there for to get under $300 a month according to this and if you are trying to get out of debt and you're trying to cut costs everywhere and you're trying to cut your grocery budget you might be thinking well if I cut my grocery budget then that means we have to be buying junk food because you know a lot of the the cheaper foods unfortunately a lot of times are the ones the more processed foods so I mean we all do the best that we can it is a choice that we all decide as far as how much organic or how much fresh fruit and vegetables we're going to be buying and whether or not that brings the price up a little bit so that were more in the moderate cost plan if you're going buy this it's very difficult like I said we all want to feed our children or our families healthy food ourselves healthy food who's anybody around would say I don't want to eat healthy but it's very difficult when even doctors disagree about what the healthiest diet is for a human being there's a lot of disagreement about what that healthy diet actually is so it how are we as consumers how are we really supposed to know even what is healthy we're all just doing our best but as far as what you spend for groceries if you are in that liberal plan if you go based off of this then maybe there's some room to do some cutting somewhere or to purchase different items or tweak your meal plan if you are a meal planning that's obviously gonna help you to lower your costs having a plan in anything always helps you save money as I always say have a plan have a plan have a meal plan make sure you have a meal plan or do your best at having a meal plan we don't always every week but we have in general certain things that we always eat so we sort of have a loose plan but having such a large family and the kids being so young things do fluctuate you know kids are having tantrums some nights it's more meltdowns than others they're more tired we got so sometimes you know it's harder for me to get a specific meal together so we do the best we can we're all doing the best we can but on average where should you be use this chart as a guide and start there perhaps just pick one of the sections and then try to do that all right so if you'd like to share how much you spend per week or per month do so down below in the comments I do ask everybody be respectful of each other which you guys always are so we're just sharing to help out others who might be reading and the more information we get the more knowledge then it helps all of us right ok so thank you guys so much for watching if it's your first time here I'm here every single Tuesday talking all about money trying to help you guys to get out of debt trying to help motivate you to builds wealth to leave a legacy for your family and I will talk to you guys in the next video bye guys

How to Budget in the Summer (and Still Have Fun!)

**How to Budget in the Summer (and Still Have Fun!)**



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Summer is almost here. In this video I discuss how to budget in the summer. Plus some cheap or free summer activities on a budget. What affordable ways to you spend time with friends and family over the summer?

#DebtFreeDana #FrugalLiving

How We Stopped Living Paycheck to Paycheck

Pregnant? We cloth diapered 3 of our 4 kids, and estimate we saved THOUSANDS of dollars. In fact I started my YouTube channel as “MsDiaperD”, sharing over 80 cloth diaper video tutorials.

Build Your Cloth Diaper Stash Here:
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ツ S U B S C R I B E (it’s FREE)

Hey there! I’m Dana. I’m a wife and Mother to 4 kids, including twin boys and two girls. I work full time outside the home in finance as a Corporate Accountant, but enjoy sharing my personal and parenting journey online. We live in the Philadelphia area.

Follow Me on Instagram @DebtFreeDana

*Please be advised that some of the links above are affiliate links and I do receive a very small commission if you make a purchase using those links. I appreciate your support if you do, and if you don’t – no worries. We’re still buds. HUGS!

“Marty Gots a Plan”
Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0

(playful music) – My shirt from my sister. Isn't that funny? Hey, guys, it's Dana and it's
time to talk about money. In this video, I wanted to talk about budgeting for the summer, and doing things but still
having fun affordably. (cash register ching) Okay, so I'm filming this
video in April and, as of now, we have paid for everything that we're going to do over the summer. It's a great feeling, but if
you have not been tracking, the reason we were able to do it is 'cause we've been
tracking our summer spending for several years now and so
we can plan in advance, right? The end of the summer, we know exactly what we spent that summer and then we're able to
set the budget then, say in September, and then
save money throughout the year, so that way when the time
comes, usually in the spring, to reserve things or purchase tickets, we have all the money
set aside to do that. Then it's not stressful and we don't even really have to feel it, there's not even a blip
in our budget, right? It's not like we're like,
"Oh, we can't pay bills, "because we paid for
that down for the deposit "on the rental house," right? It's really a great idea to track it. If you haven't been tracking it and the summer's almost upon you, and you're like, "Oh, "we don't have any money
set aside for summer," well, there's still a lot of things that you can do this
summer that are affordable, that's not going to completely
bust your budget, right? I wanted to talk about that, so, number one is churches, okay? A lot of churches do
vacation Bible school. It's a one week program, typically, some of them are during the day, ours is at night in the evenings. It starts at 5:30 and they
provide dinner for that week, so from 5:30 to six, there's a dinner, and then six to eight is
when they have the kids, they do singing, dancing, crafts
and if you have young kids, the kids really enjoy it. They have a really good time
and they love the dinner, it's spaghetti and chicken nuggets and things the kids like, right? And it's fine, and it's a great week because we don't have to make dinner, I like not making dinner
that week, and, of course, we always give a donation to the church for everything that they're doing. But if it's not in your budget, if you're trying to get out of debt, then maybe the next summer you can go back and donate some money. But it's something that is
affordable is what I'm saying. It's something to look in to. I know some people who do multiple BBS programs
at different churches, they kinda go around
different weeks and do it and it's a wholesome
good thing for the kids. I think that they enjoy
it and it's something that's fun, gets them out of the house, they make new friends, and look into your churches and vacation Bible School programs, right? Okay, so number two is your libraries. Libraries often have really
good programs over the summer. They show movies, our library does young gamers where the kids get together
and play games together and they just love that and
also they do presentations. They have magicians, they have people come in and show animals, like snakes and all kinds of crazy stuff and there's a lot of really
good things to be seen at your library over the
summer, local libraries, so look into that as well
and both of those things, libraries and churches usually, they are no cost to you, right,
if you don't have the money. It's something to go do. Aright, so, number three would
be to travel with friends. If you're going to go to the shore or you wanna go to the mountains, and you wanna rent a
house, you wanna get away. If you rent a house with a
couple different families, then it's going to significantly reduce the amount of money it's going to cost. Maybe it's a four-bedroom house and you each get one bedroom and even if your kiddos
are sleeping on the floor in sleeping bags, then you're still, it's gonna cut down that price so much if you can travel with others
and then just split the cost. It's something to really
seriously consider if you wanna travel on a budget. I've talked several times
about camping on my channel, which is something I used to hate to do, but we camp every summer for a couple days and it costs us $30. $30 to camp at state camp grounds and they're very clean,
they have bathrooms, it gets us away and the kids,
they like it, they really do. And camp grounds, if you think,
nah, camping's not for me, I would suggest trying
to go to a camp ground, one that's close to your
home and, like I said, that's a really inexpensive way to travel and go places and to make the summer fun. They usually have pools there and certain camp grounds
do different things, so it can be really a good time. If you wanna go to parties, right? You like to eat, you like to spend time
with friends and family, then I recommend hosting
parties over the summer at your house, right? You may think, oh what? But then if you do that, you, obviously, will have
to prepare a main meal, but you can go to COSTCO, pick up something
inexpensively for the main meal and ask your guests to
bring a side dish, right? Everybody brings a side
dish and then, mostly, you'll have plenty of food
if everybody does that and then everybody gets to come to your house, you can hang out, you can purchase one of those inexpensive movie
projectors even on Amazon, and you can do a movie night
at your house in the yard and that can be really
fun over the summer. A great way to spend time
with family and friends and it doesn't have to
really be that expensive. You can just do basic stuff,
hamburgers and hotdogs, or corn on the cob,
and that can be so fun. I definitely recommend just hosting. You won't have to pay any money in gas to travel anywhere that way. It'll be right there at your place. Every single summer, we like
to go to an amusement park. We go to Hershey Park,
which is local to us, we're in the Philadelphia area, and Hershey Park around
this time in the spring, is usually offering discount tickets. We get them through a
friend at their church, they get 45% off the ticket price, and we order them now
in the spring, and so, I highly recommend looking
around at your grocery stores, your township buildings,
your community centers. A lot of times they'll
have discount tickets for local amusement parks and you definitely don't
wanna pay full price for them, 'cause it's gonna be really expensive. Just plan out where you're gonna be going and then look around, do your research and try
to find discount tickets. Okay, and then summer
camp budgeting, right? Last summer, we did a bunch of camps. This summer, we decided to
cancel camps and not do them. My husband and I both
work full-time though and fortunately, not
unfortunately, fortunately, we've both been at our
companies long enough that we both have six weeks vacation, so we were able to save up our vacation, and then between the two of us, as well as a couple family members who agreed to take some weeks, we were able to provide
coverage for the kids for the entire summer without doing camps. Summer camps can get really expensive. For us, with four kids, that's over a thousand dollars a week for certain summer camps, and some of them were okay
because they offer programs. If you need to do a
summer camp for coverage 'cause you work full-time, definitely, again, do your research. Certain camps will provide
good discounts for siblings, and some of them have
later hours than others, so they might have a later pick-up time and earlier drop-off time, and so, you won't need to pay extra
for the extended care, right? For the extended coverage
at the end of the day, 'cause if you're not able to
get there by three o'clock, which is when that camp ends, you're gonna end up paying more money. It might seem cheaper, but then you have to add in
the extra cost of the money to tack on another hour or two
hours at the end of the day until you can actually get
there to pick up your kids. You wanna look and see, as opposed to another camp that might seem a little
bit more expensive, but they go until four and you're able to get
there by four or 4:30 to pick up your kids. That might be the better choice, right? You really want to make
sure you're evaluating all of those things when you're
picking your summer camps if you're doing it for coverage, because you and your
partner both work full-time. But if you don't and you're
just doing the camps for fun or for enrichment for your kids, then maybe consider cutting back on them and just traveling a little
bit more with your kids, doing some other things
together, hiking, biking, you can find some new
bike paths in your area. There's a lot of really great
outdoor things you can do. Obviously, it doesn't cost a
thing to go do those things. Also, races. Maybe you wanna enter
some 5K runs or something and do that with your kids or with your partner over the summer. It's another great thing to do. The energy is fantastic. I just finished running my
first 15K race in Philadelphia and it was so fun. I just love the energy
and they play music, you can hang out for a while, it's a party afterwards and usually get some kind of swag bag, clothes or goodies or food or whatever. Look into that over the summer too. That can be a great goal
for you over the summer if you're looking to
do something like that. You and your kids could all do it. Your whole family could do it, okay? Most importantly is to plan, right? That is the most important thing. The biggest takeaway is if you haven't tracked your
previous summer spending, try to track this summer's. See what you're actually
spending money on. Maybe you're doing swim lessons, maybe you wanna cut that back and just do something that
you guys can do as a family. I think kids often learn things more when they're just playing
and having fun anyway, than when they're taking a formal class, so see where you can cut back. But track what you're doing, and that way, you can try to save money
for the next summer. That way, you'll be more
prepared and less stressed out so you can just have a good time. 'Cause there's nothing worse than overspending over the summer, right? And then realizing that
you can't pay your bills, you're having trouble, you're getting deeper into debt because you're taking
vacations you couldn't afford. It doesn't really give you a good feeling at the end of the summer, and so I don't want anybody
to be in that position, right? Try to really track it, be careful what you're doing, and then try to plan for the next summer if you haven't planned in
advance for this summer, right? If you have any ideas for some really fun, budget-friendly, affordable
things to do over the summer, leave them down below in the comments so that we can all learn
and share and grow together. And if it's your first time
here, be sure to subscribe. I'm here every single Tuesday
talking all about money, and we're a family of six and we live in the
Philadelphia area, alright? I'll talk to you guys next week. Bye.