Guest Post Written By: Wendi Iacobello Electricity 1-Lights-Change your light bulbs to energy efficient bulbs. Then, only use lights in the room in which you are sitting. During the day time, open up your blinds or curtains and let in fresh light instead of using electricity. To learn more about the cost savings of energy efficient bulbs, click here. 2-Appliances-Change the way you do laundry to save money. Washing clothes in cold water is cost saving. Make sure your laundry

Who doesn’t like to relax, party or unwind every now and then? We all do, but at what cost?  There comes a point when we have to realize that some of our extra activities or things we indulge in are costing us our livelihood. Discipline is necessary when breaking or curbing any habit that you enjoy.  I used to smoke cigarettes and drink alcohol years ago.  I bought a carton of Kools cigarettes every two weeks, they were about $40 dollars.  If you add up the cost of the cigare

Emotional stress can negatively contribute to the way you spend and budget money. When I am stressed, I tend to buy fast food everyday. This is definitely not a good financial habit. Is there anything you impulsively spend money on when you’re stressed? Below is a link with a few tips on how to reduce stress. http://www.webmd.com/balance/guide/blissing-out-10-relaxation-techniques-reduce-stress-spot A few things you can do when you’re stressing to avoid impulsively spending m

Children should be taught how to be responsible. They learn from things they see. Often, if parents are financially irresponsible, the children will become financially irresponsible.  If they are taught the value of money, and how to earn it,  they will better understand the responsibility of having and keeping it. Below, I have included  a responsibility chart.  It is a little different from a normal chore chart, this chart more so helps teach basic responsibility for childr