New Year’s Goals to get you financially on track!

A lot of people use New Year’s as an opportunity to start new money habits – saving more and earning more!  Other common goals include decluttering the house and losing weight. In the next few months, I’m going to do posts about the following:

  1. Save money by using up what you have!
  2. Make money by decluttering.
  3. Lose weight and make money doing it. Yes, this is possible.
  4. Three ways to make money without getting off the couch.

Happy New Year and Happy new money habits!

3 easy ways to save money on clothes for your kids

Kids are expensive! Did you know that the average cost of raising a child these days is estimated to be over$230,000! That means it’s very important to save money where you can. When kids are little, they are constantly growing, meaning you often have to get them a whole new wardrobe every six months. And babies need new clothes every few months!

The good news is there are lots of great ways to save money on clothes for your kids. Here are three of them:

  1. Hand-me-downs
  2. Mom to Mom sales
  3. Second-hand stores

1. Hand-me-downs

Hand-me-downs are the best! In case you’re not familiar with the term, it just means clothing that has come from another person.

Most people with children are eager to clear out space once their kids have outgrown their current set of clothes (assuming they aren’t saving them or another child in the family).  Before my son was born, I got not one, but two sets of hand-me-downs. That meant I had to buy very little in the way of clothing for him. It was a win-win situation! The donors cleared up some space, and I got a ton of clothes for free. Everyone was happy.

If you don’t have any family or friends looking to get rid of hand-me-downs, you can always try places like Kijiji, Craigslist, or Facebook groups to see if there’s anyone looking to rid of stuff. I’ve been lucky enough to get some bags of hand-me-downs from a friend who is part of a Mom’s group on Facebook – and she doesn’t even have kids!

Pros: Free stuff!

Cons: Some sorting and washing required.

2. Mom to Mom sales

A Mom to Mom sale is exactly what it sounds like – parents selling to other parents. It’s a similar set up to a church bazaar or a craft show – people get a table, then put all the clothes they have out for sale. The sellers make their own prices, and when the doors open, the bargain-hunting begins!

A friend of mine got shorts for her son for 50 cents are one of these – that’s pretty cheap. It can definitely be a good place to stock up on clothes, but it can be the equivalent of a Boxing Day or Black Friday sale in terms of crowds – it can be pretty crazy! You need to go in with a firm idea of what you need and not get overwhelmed or distracted.

Pros: Cheap stuff.

Cons: The shopping experience can be a little stressful!

3. Second-hand stores

When children are older, it may be harder to convince them to wear second-hand clothes – so just call them vintage! :). In all seriousness though – as the world becomes more eco-conscious, second-hand clothes are becoming more and more popular. Plus you’re doing good by helping support charities when you buy from places like Value Village, the Salvation Army, or Goodwill.  You can even drop off your own unwanted stuff, then do a little shopping. I got my son’s Halloween costume at Value Village this year – he loved it, and I saved at least 20 bucks!

Another option for second-hand clothes for kids is somewhere like Once Upon a Child. They specialize in just kids’ clothing. The quality is usually better than places that take donations as Once Upon a Child pays for clothing.  They often have great sales on – before my son was born, I got him 10 sleepers for 10 dollars.  And believe me, we went through a LOT of sleepers. Kids go through clothing quickly (they are always getting messy one way or the other) so having extra backups is always handy!

Pros:  Can be better quality than hand-me-downs.

Cons: You have to spend your hard earned money!

You’re ready to start saving money on kids’ clothing!

You’ve now learned 3 awesome ways to save money on clothes for your kids. The least expensive route is definitely hand-me-downs, but if you’re looking for something specific or for a special occasion, then you can try Mom to Mom sales or second-hand stores as well. Happy shopping AND saving!

 

 

 

3 great ways to save money on books

Image by Jose Antonio Alba from Pixabay

There’s nothing as satisfying as curling up with a good book. Here in Canada, the winter has already settled in (we had over 15 centimeters of snow last week!) so I’m feeling the urge to stay inside, make a cup of hot chocolate, and read a good book!

Saving money on books is easy AND awesome

I love to read. I’ve been an avid reader since I was a kid, and I still prefer reading printed books over ebooks. That being said – ebooks definitely have their benefits!

But I’m also cheap. So I’ve got three great ways to save money on books, which I’ve listed in order of cost and convenience:

  1. Download books
  2. Borrow books
  3. Buy books second-hand

Downloading books

Downloading books is awesome. You don’t have to set foot outside your door to do it- heck, you don’t even have to get off your couch to access them! And there are plenty of sites that offer them for free. Here are some of the most popular ones:

  1. Kobo offers plenty of free eBooks. They’ve got something from every genre (mystery, romance, science fiction, horror, etc.).
  2. Gutenburg offers anything considered open source – over 60,000 free eBooks. You can even read them online in HTML – a good way to procrastinate at work!
  3. Open Culture Books offers over 800 free eBooks to your Kindle, iPad/iPhone, computer, smartphone or e-reader, and over 1000 free audiobooks. There’s everything from the “Oz” tales to Jules Verne to Nietzsche.
  4. Goodreads is a great, free site (and app!) that you can use to track all of the books you’ve read. It also suggests books that may interest you based on the books you log. The books it offers for free are mostly classics, and some more modern ones (usually only an excerpt is available for those).
  5. Your local library also offers ebooks. They disappear after their checkout period is done, so you don’t have to worry about returning them or paying any fines.

Borrowing books

  1. Your best bet for borrowing books is your local library. Yes, libraries are still out there and they are going strong. While you still have to go into the library to get the actual book, you can search their entire catalog online, and renew books online as well.  If you truly can’t physically get to a library, many of them also will bring books to you and and pick them up! Contact your local library for details.
  2. Friends! If you have a friend who loves to buy books, and isn’t picky about lending them, you can always borrow from them. I borrowed the entire Harry Potter series from various people, as well as lots of other books!

Buying books second-hand

Buying books second-hand doesn’t isn’t as cheap as getting them for free, but the plus side is the book is yours FOREVER, and you don’t have to worry about returning it, or what to do if it gets damaged. Some people really like reading in the bath, and I’d only recommend this if you own the book (I’d definitely NOT recommend it with an e-reader!) :).  Here are three great ways to find second-hand books:

  1. The library! That’s right, libraries will sell books they no longer need (for example, they have too many copies of a bestseller from 5 years ago) for very cheap. They are usually only a dollar or two, and you are helping support your local library when you buy them!
  2. Used good stores. Stores like the Salvation Army, Goodwill, and Value Village tend to get books donated to them, and you can definitely pick up some books on the cheap at any of these places.
  3. Second-hand book stores. These aren’t as common, but they still exist. They offer more variety than the library or a used goods store, but they will usually be more expensive as the owner did have to pay for the books in the first place!

Happy reading!

You’ve now learned three great ways to save money on books:

  1. Download them – it’s free and easy, and you don’t even have to leave the house!
  2. Borrow or swap them – just ask a friend or check out your local library.
  3. Buy them second-hand.  You can save lots of money buy getting them “gently used” from your library, a used good stores, or a second-hand bookstore!

No matter how you get your books, you can rest secure that reading has so many benefits!

Happy reading!