Story Time

Many local libraries offer summer story times for kids. This is a great way to have fun with your kids for FREE! They can enjoy adventure stories, funny stories, and even learn something new from an educational reading. Taking your kids to the library not only provides a day of creative fun, but it keeps your child’s mind working and thinking even when not in school. 

Create Your Own Relay Race

Kids love to compete against each other. What better way to entertain your kids for cheap than by creating your very own game day? Make the most out of the great outdoors with races, jump roping, and obstacle course-like competitions. This is a great way to keep your kids active and having a blast!

Plant a Garden

Showing kid’s responsibility isn’t always an easy feat. Planting a garden can show kids how to be responsible for their plants while having fun at the same time. Home improvement stores offer packs of seeds for a few dollars so planting a garden won’t offset your summer budget. They will love watching their plants grow day by day as they learn how to care for something without even realizing it!

Apples to Apples ($22)

One of the most popular games for game nights right now is Apples to Apples. In this game, you match up adjectives and nouns for a night of hilarious comparisons. To save money, buy just the expansion set or the travel version.

Uno or Other Special Card Game (Avg. $7 per deck)

A game does not need to be complex to be fun. There are several fun and cheap card games that I have played, such as Uno, Phase 10, and Skip-Bo.

Cranium ($27)

Designed for adult players, Cranium is great for large groups or events–whether it’s a party, a reunion, or just even a family game night. The game constantly challenges players in trivia and creativity, creating a fun and spontaneous atmosphere. So whether you’re an artist, a singer, an actor, or a professional speller–there’s something for everyone in this endearingly oddball board game.

Lastly, instead of a book club, start a game club. If you have six participants and meet once a month, you will only have to buy a game every six months. And hopefully you will like the game so much that you can play it for multiple rotations of game club.

On the whole, we’ve all become a bit more cautious with our spending habits. Typically, money burns a hole in our pockets when we have it, but this holding back on spending, what has that led to?

All work and no play need not make us a dull nation.

Play it smart. You can still keep yourself amused and creatively stimulated. By altering your approach and making use of a few free resources, you’ll find the financial freedom required to make it to the finish line without having to reread your favorite book or watch your favorite movie another sixteen times.

Words & Music

BookMooch.com
They say one man’s trash is another man’s treasure. If you have books and DVDs that are collecting dust that you’ll never open again, you can list them on BookMooch. Then you can enter the titles of books and DVDs you wish to read and/or watch and make a fair trade! At the same time you can expand your social network with others who share your interests.

SwapTree.com uses a similar even trade formula, but with much more inventory. Swap anything from museum tickets, electronics and vacation tickets, to coupons, skydiving and merchandise including clothes, handbags and jewelry.

According to site founder Mark Hexamer, about a quarter of a million dollars in free media is traded every week! It is also recommended that you invite and encourage your social networks to join in on the savings. Not only are you being crafty and resourceful, you are also helping the environment.

For straight shooters, there’s always eBay’s Half.com. Find books and CDs at an average of 25% less here.

Getting Out There
Okay so you may have had to scale back on the concerts in the last couple years, but that doesn’t mean you have to hibernate at home. Here are some things you can do right in your neighborhood that can cost you next to nothing:

Community Theater
Don’t knock it till you try it. Many plays and other productions feature fine local talent. Even better, a lot of these playhouses only ask you to make an affordable donation at the time of the event.

Local Fairs & Festivals
Check in your local newspaper or website for free celebrations in your community. You will find parades, fairs, festivals, art fairs, charity events, free concerts and many others. Grab your BFF’s and make it special.

With the right approach, anything is possible. Who knows? Maybe you’ll get so good at being crafty, when the chapter on the recession is finally closed forever; you just might have adopted some of these creative spending patterns on a permanent basis.

Family-friendly activities can be fun at any price. But why not have fun while saving some cash? There are many ways in which families can enjoy their time together that don’t have to be as expensive as theme parks, arcades, or themed restaurants. Below are some places you can take your family and build lasting memories that won’t take you for all you’ve got!

Local Events

Many cities and towns offer a variety of local events for residents of the area. Many of these include street fairs and parades. These events are usually free to the public and include kid’s corners with face painting, clowns, and candy. Check your cities local site and get a hold of the yearly events calendar for a year full of local entertainment that won’t break your budget!

Local Parks

Parks and outdoor activities are a great way to spend a sunny afternoon with the family. You can enjoy a day of Frisbee tossing, playing catch, and even bike riding. If you really want to get creative with your kids, set up a field day of planned events. You can have relays, potato sack races, or even plan an organized sport with teams. Everyone involved can provide food and drinks, making it a fun and inexpensive group outing.

Use Discounts

There are an unlimited amount of discounts available for everyone. Organizations, clubs, schools, and even your employer offers discounts for many activities that can include entrances to parks, discounted tickets to games, and reduced admissions to special showings of theatre openings. College students as well as younger students usually get discounted admissions to movies, productions, and theme parks. Your HR department will let you know if your employer provides any special discounts.

Debt Snowball:Debt snowball is a very good debt reduction technique popularized by Dave Ramsey. In this method, you have to dedicate yourself in paying off your smallest balances first. This will give you a renewed vigor to keep paying off your debts since you can reduce the number of debt accounts.

It is best to get a list drawn up on all the current monthly dues. This is very important for the successful completion of the debt snowball process. It should be kept in mind that no more debts are added onto the drawn-up list.

The steps to be followed in debt snowball –

• Make list of all the debts in the ascending order of smallest debt to the largest debt.
• Start paying off the minimum amount on all the debts.
• Add some extra cash to pay off the smallest debt.
• After you have repaid the smallest debt, move onto the subsequent larger debt. Keep repeating these steps till you get out of all the debts.

Debt Avalanche: Debt Avalanche is another suitable debt reduction technique in which debtors first repay debts with the highest rate of interest. It is begun by listing all the debts in the descending order of highest rate of interest to the smallest rate of interest. Pay the highest interest debt that is on top of the list. After it is clear, keep paying off the debts as you go down the list.

The steps to be followed in debt avalanche –

• Organize all the debt in the descending order of the debt, i.e., highest interest rate debt to the lowest interest rate debt.
• All the debts should receive a minimum amount of payments.
• As soon as you clear the highest interest rate debts, move onto the next lower interest rate debt. Keep repeating these steps till all your debts are cleared.

These are just few of the Do-It-Yourself debt options to repay your debts. Try to pay off your debts through debt snowball or debt avalanche methods. If you fail to repay the debts through these options, go for credit card consolidation.

This is a Guest post by Marlon Powell of Debt Consolidation Care Community.

Auto insurance is one of the most costly monthly expenses that all drivers must pay in order to legally drive their cars and be able to commute from one location to another. Although many companies offer expensive policies, there are a few tricks you can follow to find yourself a bargain in auto insurance.

Shop Around

With the vast amount of companies that offer auto insurance, there is always another option if one seems too expensive. Likewise, there is always another company that can offer you a better rate even if you think you have found a low price. Shop around, get quotes, do your research and you are sure to find a company that will offer you the lowest rates or something that will fall within your budget.

Ask for Discounts

Many companies offer a plethora of discounts for any number of reasons. Some include affiliations with certain organizations, being a student, and ownership of your vehicle. For the less widely known deals, ask for discounts such as the “shopping around discounts”. This includes a discount that states you have been shopping around and have settled on a particular company. Locking in your price two-weeks prior to your effective day can earn you a discount with some companies.

Be a Good Driver

If you have found a policy that meets all your requirements and offers you a reasonable price, there are still ways on how you can lower your premium. Simply, be a good driver! How hard is that? Mind your p’s and q’s on the road and your insurance company can reward you with discounts on your monthly premium in the future.

Road trips have become the go-to alternative to make the most out of one’s vacation. It gives you the freedom to explore, blast music and put you in the driver’s seat of your travel, so to speak. Even though it sounds like a cost-effective way to travel, the high gas prices and need for food and lodging can quickly add up to be more than anticipated. Check out these money saving road trip tips below.

Getting Around the Dark Cloud: Gas

Prior to your trip, find the cheapest gas with these gas cost calculators. While you might forget specific stations, try to remember town names or big exits to compare gas prices at several spots. To save gas while driving:

• Turn off the AC and 4-wheel driver: both suck up tons of gas
• Be easy on the pedal: speeding up and stopping short is a sure-fire way to burn gas needlessly. Also, opt for cruise control
• Inflate tires: Make sure to have a tire gauge handy throughout your trip
• Don’t be a speed demon: Speeding wastes gas and can result in getting a ticket, a road trip budget buzz kill

Pack Meals like You’re Going into Hibernation

Instead of buying fast food on the road, take a few extra minutes and grocery shop at home. Pack lunch and bring it along. Or, just bring a loaf of bread, a jar of peanut butter, a squeezable container of jelly, and raid your kitchen junk drawer for plastic utensils so you can make lunch on the road. Get out and stretch your legs at a rest stop instead of at a fast food restaurant and enjoy a picnic. Also, bring snacks purchased from the grocery store, instead of buying them on the road. Feast on good-for-you power foods like trail mix, cereal mix, string cheese, and fruit such as apples. Not only do these items provide fuel for you, but they also travel really well.

Inexpensive Stays are Possible!

Hotels are synonymous with high prices, but surprisingly, there are tons of budget-friendly hotels and inns that cater to the short stays and small budgets. In my experience I’ve found that Red Roof Inn and Hampton Inn are both clean and can cost less than $60 a night, so if you’re splitting the cost with your road trip buddies, that’s a pretty cheap option. Hotels also give discounts for being a member of the Military or AAA, so make sure to inquire about any discounts if you belong to a particular organization.  Another option for saving money is camping. Since it’s getting warmer out, this might be a suitable alternative for your group. One tip though: make sure there’s a shower close by.

Stay Entertained with Cheap Thrills

Belting out “99 Bottles of Beer on the Wall…”can and will result in someone not making it back home. However, a killer soundtrack, ongoing game or a couple different games will help make the miles fly by. Here are a couple game ideas that are addictive and will make your trip more memorable:

Treasure Hunt is a fun and very competitive game that’s all about what’s inside your car and figuring out what’s “treasure”. Perfect for long road trips with lots of stops along the way, you’ll find yourself looking forward to getting back in the car!

Looking for a game where the focus is on the road? Look no farther than License Plate Lottery! Win (fake) money while you bet on your lottery state license plate. Every license plate has an assigned value and it changes as your trip progresses.

Scavenger Hunt is definitely a car game that can run for an entire road trip and the larger your group, the more entertaining it will be. Detailed tips are given for selecting your list, tailoring it to your trip so that it becomes “yours”. This is a team game and it’s excellent for building even closer friendships with your gang.

Before you go and even while you’re on your trip, there’s nothing to get you revved up like seeing a great road trip movie. This list of great road trip movies will help you select something inspiring or just plain fun!

In this economic climate, who doesn’t want to save money on the expense of owning a car? You may be surprised that with just a little thrift and determination, you can keep your overall car-ownership cost down by following these simple tips.

Preserve
Preserve your car so it lasts longer. The prospect of a monthly car payment for the next five years is grim. It can be liberating to NOT have that extra car payment.

One of the best things you can do to keep your car longer is to get in the habit of practicing routine maintenance. Get your oil changed every 3,000 miles (or whenever recommended) and replace the air filter. Keep your car well-lubed and check the air pressure of the tires.

Find More Affordable Car Insurance
See if you can do better on car insurance. Visit esurance.com or  CompareMyInsuranceOnline.com  to compare the rates of multiple insurance companies. Not only can you possibly get a more affordable rate, you may also be eligible for additional discounts for switching.

Car insurance companies now reward their subscribers for practicing good habits like the safe driver discounts, where you can save as much as 45% off the total cost of car insurance.

Find out if you qualify for the safe driver discount or any of the following:

• Good student
• Defensive driver
• Low mileage
• Military discount
• Automated payment discount

You are also eligible for additional savings if your car is equipped with anti-lock brakes and anti-theft devices.

Get the Best Price on Gas
Save on gas by using websites like GasBuddy.com . Simply plug in your zip code and you’ll see the places with the best rates on gas within your community. Choose to display results by address and/or on a map so you can plan your route.

Miscellaneous

• Plan ahead when doing errands. You can consolidate all chores into one journey so as to cut down on multiple trips and the excess gas required.
• Don’t speed. You will get better miles per gallon when you obey the speed limit.  Don’t drive aggressively or gun the engine. This will also help preserve your car against wear and tear.
• Don’t bother with extended warranties. They are usually just a waste of money.

Don’t worry if you are not seeing instant results. By adopting a proactive stance, doing a little legwork and practicing consistent behaviors, you are on your way to making your money work for you and your car.

Moving can be a tricky game to play both for your wallet and your family. The reason and season both play a large part in your moving day plans. Here are a few tips to follow to make sure it’s a smooth ride.

1. Pick the right time

If you have kids, the best time to move would be in the summer months. This way you don’t disrupt their school year and they can start the new school year fresh and settled in a new home. If you have no kids and are not in school, try to avoid moving during the summer months as it is peak time, so renters rates are at their highest. Spring and late fall are the ideal times if you can be flexible.

2. Fight the seasons

Moving to a different climate can have an unpleasant affect on your furniture as well as on your wallet. Going from warm to cold can cause damage on your furniture as well as cost you a pretty penny as moving companies tend to charge extra for any additional labor certain seasons may cause. Try to move during a time when there is not too much of a climate change between the two locations.

3. Move during the week

Most people like to move during the weekends for obvious reasons. School is out, work is out, and there is more time to make the switch. If you are able to work around a school and/or work schedule then moving during the week is your best bet. Moving companies charge less during the week. Tuesday or Wednesday is your best options.

4. Out with the old

A move is a perfect time to clean house! Get rid of all of your old junk, things you can live without, and things you can donate. If you know you will not use your old items, get rid of them! Get twice the benefit as less stuff means a lower price on the move.

Set a Travel Budget

Before letting your excitement get the best of you, be smart about your travel plans. It is easy to get carried away while being on vacation. Although the point of a vacation is to get away and relax, you must be mindful of your expenses at the same time. To avoid having a vacation headache, plan your budget BEFORE you leave. Give yourself an allotted amount per day, per week, or in total before you leave. Break down your days and give yourself an amount of cash you feel comfortable with. This way you can enjoy yourself without feeling the pain in your pocket.

Pack Light

Now-a-days, airlines have fees for nearly every aspect of flying. One of the main fees is checked baggage or excess of weight on your baggage. To avoid this unnecessary expense, travel light! Not only are you saving yourself from having to pay fees, but there will be less for you to lug around with you. It can get bothersome to carry around a large, heavy suite case so avoid the whole ordeal and pack light.

Recommendations

Tourists have a bull’s eye painted on their wallets from the moment they step out onto foreign territory. A great way of not falling victim to high prices on anything from food to gifts is to be equipped with information. Before embarking on your whirlwind adventure, get some recommendations on where to eat, where to stay, and activities. You can ask friend, check online e-boards, or even get tips from Rachel Rays’s $40 a day. Knowledge is power and in this case knowledge is savings.