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Five Ways To Save Money, Even When You Have Kids

Saving money when you were single wasn’t so hard. It just meant visiting the coffee shop a few less
times a week. All that changes when you have kids.
Any parent will tell you that saving money becomes an uphill battle the instant that first little bundle of joy is born, and it only gets worse as they age. Many parents throw their hands up in defeat because it’s just easier to keep chugging along instead of taking the time to find ways to save a little cash.It doesn’t have to be hard! With these five tips, you’ll find that saving money when you have kids is easier than you thought.

[caption id="attachment_9989" align="aligncenter" width="530"] Mother strolling with newborn[/caption]

Look for Ways to Reduce Fees
People without kids pay all kinds of fees, but if you have children, you end up paying even more. No
matter where you are in life, it pays to look for ways to reduce fees.
A few ideas include:
 Using a low-fee money transfer service, like Remitly, to send money to children and family in
other countries
 Reduce subscriptions, like TV, music, and gaming services, that the kids don’t really use
 Help your college student find student loans with the best interest rates
Shop the Sales and Buy Second Hand
Kids grow like weeds. The second you buy a new dress for your toddler or a new pair of shoes for your
teen, they have already outgrown them.
You’re just throwing money down the toilet if you buy new, full-price clothing for your child. Instead,
buy items second hand. Because babies and toddlers grow out of clothes so quickly, you may even find
stuff that has never been worn before.
If you have a tween or teen that can’t fathom buying stuff at the thrift store, shop the sales instead.
Look for coupons and consider loading up on clothes at the back to school sales. You can save a bundle if
you go shopping on the back-to- school tax-free weekend!

Limit Pay-To- Play Extracurricular Activities
It is important for your child to be involved, but that doesn’t mean you have to spend hundreds or
thousands of dollars on extracurricular activities.
Limit pay-to- play extracurricular activities by allowing each child to choose one thing they are passionate about that you’re willing to pay for. Then, get creative with free or low-cost activities in your area that might include:
 Boy or Girl Scouts
 Arts and crafts at the local rec center
 Gardening club
 Sewing class
 Mathnasium, or another academic club

Just because your kid should be involved in activities outside of school doesn’t mean every minute of their day has to be planned! There’s nothing wrong with spending lazy afternoons and evenings playing at the playground and watching movies, especially since it will save you a ton of cash.

Reduce Gifts
It isn’t uncommon for parents to get excited on birthdays and holidays where gifts are the norm.
Unfortunately, many parents go into debt trying to create the perfect Christmas experience for their
children.
Tons of gifts are fun in the moment, but a few thoughtful gifts are more meaningful than a truckload of presents. Reduce what you purchase for your little ones and they’ll be more likely to remember what you bought them years later.
Another idea is the four-gift rule. On Christmas, you purchase something to wear, something to read, something they want, and something they need. It will force your kids to think about what they really want for Christmas, and it will keep you from going into debt whenever the holidays roll around.

Learn to Say No
Saying no to kids can be hard. Especially if they’re having a meltdown in the grocery store and their
favorite treat will make the crocodile tears disappear right away. However, it’s much better to say no toy our kids.
By saying no, you’ll teach your child that it’s okay to say no, and it will help your child deal with
disappointment. It can even teach your child to retain their creativity as they age.
The best part about saying no is that you’ll save wads of cash, and you no longer have to worry about being held hostage in the toy store when you learn to say no.
Saving money when you have kids doesn’t have to be as hard as you thought. Although it does take
some determination and forethought, with these four tips, you can continue bulking up your bank
account even if you share your home with little ones.


Spend $10 at Lowes get $10 Cash Back!!

 

I love this deal, especially this time of year. Getting $10 back on a $10+ purchase at Lowes could equal free soil for your garden, free gardening tools, free citronella candles, or a it could be like $10 off anything else you need for the spring!

Step 1:  
Click Here to Get Started.  Join TopCashback and signup for a FREE account if you haven’t already.

  • Important: Check your email to confirm your email address. Click on the link in your email to authenticate your new account.

Step 2:
Click on the pink “Get Offer Now Button

Step 3:
Add anything to your cart from Lowe’s for $10.00 or more and head to checkout.  You must spend at least $10.00 to get this deal.

  • TIP: Opt for In-store pick-up or spend $49 or more to get free shipping!
  • TIP: Make a second transaction instead of adding more to an existing cart to maximize additional cash back.
  • Do not close the window, open any new tabs, or use non-TopCashback approved coupons while checking out.

Step 4:
Pay $10.00 or more.  That’s it!  The $10.00 will post to your TopCashback account within 14 days, and the amount will become payable within 14 days.  Cash back can be credited straight to your checking or PayPal account.

  • Note: Transactions must contain at least $10.00 worth of purchases to ensure the $10.00 cash back is credited to TopCashback accounts. Transactions may initially track lower, but within the 14 days after purchase it will be uplifted and turn payable at the amount of $10.00. Transactions may take up to 7 days to appear in your TopCashback account. The deal is open until 11:59pm PST on 4/29/2018 or until supplies run out; whichever happens first; applicable for purchases made directly after clicking through TopCashback. Only one TopCashback account is permitted per member. 

Tears of the Fallen Book Tour & Giveaway 4/26 – 5/26


Tears of the Fallen
by K.M. Hager
Genre: Paranormal Fantasy Romance

Amy Coleman on a mission to find her son, the only problem was–up until

two days ago she never knew she had a child.

Life for Amy is not worth living anymore. She was brutally attacked,
and
that nightmare of an abandoned child is seeping into her reality.
There is only one person who can stop her mission for death, a fallen
Angel by the name of Stephen. However, what Amy doesn’t realise is
falling helplessly in love with this Angel will just lead her down a
dark and deadly path and right smack in the middle of an Angelic
War.
After spending seven years on a self-destructive path of abuse, she will
start to unravel the secrets and lies of that awful night she was
attacked sending her world upside down. When Amy uncovers what really
attacked her that night, she will also have to face the painful
reality that she is a mother because of it.
The Angels try with Heavenly influence to blocking any memory from
her,
she still must find her son before her attacker Solas does and
sacrifices him in a bid to open the gates of purgatory.

K.M.Hager lives in Devon with her family. When she’s not being a mother or a

referee to her two children, she tries to get on writing her Tears of
the Fallen series.

 
It’s only when we get to meet death personally and stare into its darkness that
we
will ever really feel the raw emotion and fear that the darkness brings in the last
fleeting moments of our lives. We all think about it and sense when it’s coming.
But like most unpleasant thoughts, we disregard it, choosing to ignore the
niggling doubts our instincts are so desperately trying to warn us about.
So when I walked home that night and took my usual route across the isolated
beach, I felt danger was coming. My body tried to warn me that something
wasn’t right.
Why didn’t I listen to it?
The hairs on the back of my neck began to stand up in protest. Fear travelled
through my veins and pumped its poisonous venom straight into my heart. The
panicked beats of my heart drowned out the sounds of the crashing waves as
they pounded the shore. I was too late. I was nearly at the other end, and it
would
have been quicker to keep moving.
The clouds were closing over me, and the sun was far out into the distance,
ready to rest its tired head for the night. There would be no point in turning back
now. So I lunged forward toward the exit. I desperately tried to get to the stairs
so I could take the last step from the cold, wet sand and onto the familiar stone
of safety. But as I placed my left foot on the step and relaxed my body, I felt a
sharp pain at the side of my head. A strong, cruel grip wrapped itself around
the
top of my arm, and my feet left the safety of the ground. I flew across the sand
through the cold air and landed directly on a rock. The pain was crippling and
rendered me semi-unconscious. I was unable to focus on any object or stand
up
and run from whatever force of nature had tried to take my life. I lay there for a
minute and tried, frantically, to muster the energy so I could escape the
situation.
I needed to get home. The blood from my head trickled down the side of my
face, and I needed help. My eyes tried to adjust back into focus and looked for
someone to come to my aid, but I could see no one.
As I lay on the dampness of the sand, I looked into the night sky. I watched
with panic as dark shadows emerged and hovered over me as if they were lost
souls that danced over my vulnerable body. At that moment, everything stood
still. Time and existence froze as I looked upon the lost souls that waited
eagerly
to take my life. A life I hadn’t yet lived. I was only sixteen, and there was so
much left to do: finish my exams and smoke weed. Kiss Peter Jackson, the
high
school hunk. Or even make love.
Then all my thoughts were gone. All that was left was acceptance that it was
my time. There was no way out of it, so I closed my eyes and accepted my fate.
“Oh, come on. It’s no fun if your eyes are closed.” I jumped. My heart leapt
straight out of my chest and slammed back inside me.I looked up toward the shadows that had formed a ring around me. They
danced delicately over my body, and in the centre was darkness, a shadow that
had crept out from the night and lingered over me. A dark energy had my wrists
and pinned me to the ground, leaving me paralysed. I stared up at the
silhouette,
and I watched with terror as the monster shifted, forcing an impression of a
human face while he tried to form in our realm. My alternate perception showed
me his true form.
His head shook erratically from side to side. He had me distracted. Within an
instant, he had successfully transcended and he was sitting down on top of me.
All I could see was his deep, penetrating eyes. They seemed almost hypnotic,
but
were filled with sin. They were soulless and without a touch of humanity. He
was the Devil on his darkest day.

 

Follow the tour HERE

for exclusive content and a giveaway!

 

 


Eternal Victim Book Tour & Giveaway 4/26 – 5/26


Eternal Victim
by Dexter Morgenstern
Genre: Paranormal Horror
From the
author of “The Slender Man” comes a fast-paced,
terrifying tale, filled with gruesome murderers, ghostly
abominations, and a dark puzzle that connects them all to the Witness.
Follow the Witness as she travels through a perpetual series of
nightmares,
haunted by a mixture of pernicious serial killers and their
imprisoned, undead victims, known as preta. As she wanders through
time and memories shared by the killers and their victims, she fights
to solve the puzzle of their connection to each other and to herself.
Her only hope of salvation lies in connecting key victims to the
souls who can rescue them, thus waking her from the nightmare, but
one killer follows the next, bringing forth a new set of victims, a
new score of preta, and immediately landing her in a new terror.


 


Dexter is a Southern-born Seattle author
and model. Homeschooled after a
diagnosis of mild Asperger’s, he learned to play to his strengths
as an energetic, creative artist. He began writing at the age of
fifteen, and published his first novel two years later. Outside of
art, Dexter spends his time gaming, studying, and socializing with
other ambitious minds. As an army brat, he attained a pragmatic sense
of discipline that he uses to balance his artistic endeavors with his
academic ones. Dexter’s ultimate goal is to contribute to the
subjugation of humanity by artificial intelligence.


I gasp, pulling my head out of a metal tub, and slip down the side, landing in a heap on the dirty floor. I cough,
spit-ting up the fetid water I’ve swallowed, then gasp again, finally heaving some stale oxygen into my lungs.
What nightmare is this? I rub the water from the eyes, shivering beneath the icy droplets and frosty air. I just
drowned… in someone else’s body. I stay like that for several minutes, staring at the rusted tub and trying to
force myself to comprehend what just happened. How am I alive? Am I even alive? I finally turn over to see
another sink across from me, a mirror looming above it.
I let out an exasperated breath that seems to fog up the entire room before managing to pull myself upright. I
stand and hobble over to the sink. In the mirror, there is still no reflection. I look back at the bathroom
doorway. The door itself seems to have fallen apart, and a dark passageway stretches into black.
I look back into the mirror. For a moment there is nothing; and then I fall, that silhouette appearing once more.
This time, it doesn’t send the world spinning. I crawl back, all the way to the wall, clutching a hand to my
mouth, though there is no voice, no scream to suppress.
A head emerges from the mirror, then shoulders. Two pallid hands reach out and grab the sink. I close my
eyes, hoping the monster will go away, but when I open them, it—she—stands directly over me. I flinch again,
but when I look back, nothing but a hand is offered.
“Come with me,” she softly instructs.
Hesitantly, I take the hand. As she pulls me to my feet, the light in the room flickers back on, illuminating us
both. Before me is a brown-skinned, black-haired young woman.
Like Ada, Christiana, and me, the bruises and scars along her skin tell the tale of what I can only assume was a
brutal and bloody murder. The dimness in her once-brown eyes betrays no emotion.
“You don’t have a lot left in you. You have to move,” she says.
I take a few breaths, trying initially to respond, but she shakes her head. She knows I am without a voice. I
look toward the doorway and then back to her. She nods.
“You don’t have time to wait here and panic. The killer gets closer with every breath. The closer it is to
finding you, the more the balance is in its favor.”
She flickers, her widening eyes finally betraying the fear within her.
“You can’t let him hurt you again. Not here, not when the balance is this close to darkness,” she explains.
“Witness and learn, and the balance will return to you. Then you can escape.”
The balance? Witness? What?

 

Follow the tour HERE

for exclusive excerpts, guest posts and a giveaway!

 

 


The Guardians Book Tour & Giveaway 4/25 – 5/25


The Guardians
The Tempest Isle Series Book 1
by S.C. Storm and Rena Marin
Genre: YA Fantasy

Hidden in the beauty of a cluster of islands, unbeknownst to humans, a
supernatural war rages. The Guardians, protectors of the Nexxus and
the Goddess Selena, fight daily to ensure the survival of all races.
Hidden agendas, supernatural politics, and sins of the past threaten
to endanger the very world they all strive to protect. Led by two
families who must embrace their destinies, the Guardians of Tempest
must now step up to lead their races to victory.




Rena Marin
is afantasy/paranormal/horror author as well as reviewer. In 2017,
she and her co-author S.C. Storm introduced the world to The Tempest
Isle Series, with “The Guardians,” which was published by
Zombie Cupcake Press. At the end of 2017, she and her co-author also
penned the short, “My Sister’s Keeper,” which was featured
in the Zombie Cupcake Press Anthology, Madame Scarlet’s Carnival.
A writer of fantasy/paranormal/horror, Rena finds herself a lover of
the written word and hoping to branch out to multiple genres.
Rena is happily married to her soul mate, Daniel. The two of them reside
in the beautiful mountain town of Newport, Tn. with their two
children Cody and Amber.


S.C. Storm
was born in
Austin, Texas. She wrote poems as a hobby when she was in
school but motherhood took over and she stopped. Many years later,
she met her bestie Rena Marin online. After some time, Tempest was born.
Married to the love of her life, Willie, for
28 years, between them, they
have six children and ten grandchildren.
Recently widowed, she lives in Kyle, Texas spending her
time helping their youngest daughter continue her dads business,
taking care of her youngest son and her four cats, babysitting
grandkids and writing.

“I wish I could stay with you always, my dear. I do,” Arthur told her, dropping
his head. “One thing I must do, however, is explain some things to you. I have
never told you the history of our race. You know what the guardians are, and
that
the Ascension is held, but I think it is time you knew what it stands for, why it
happens.”
“I have wanted to know since I found out what I was. Living in the human
world for so long kept me in the dark about so much.” She smiled,
remembering
her life with her parents.
Catching her thoughts, Arthur smiled. “It is time you knew,” he told her as he
began. “The supernatural came into existence ages ago. Goddess Selena
created
the first supernatural being before humans ever walked the earth. Even today,
only she knows what all her creations are. Our race, however, is no mystery.
Seeing the creation of humans, the goddess immediately wanted to mold them
into something of her own. Thus, the first vampire was created. Knowing how
the humans fought to find enough food to keep them alive, the goddess chose
to
make the humans a source for us. Human blood keeps us alive. However, the
blood of a supernatural, the goddess’s creations, also makes us thrive. She
wanted us to flourish with or without the humans, simply because she had no
idea if they would survive or not.” He smiled as he looked down at his
granddaughter. “The same was true for the werewolves. Her love of nature, the
wolf, led her to combining a majestic wolf and a human. Once she saw how
strong, vibrant, loyal—perfect as she saw it—her creations were, she decided
to
take twelve from each race and make them her own personal protectors. They
would take from her essence, her blood, and become stronger, pure. Thus, the
guardians were born. For ages it went on, those same chosen ones protecting
her
from any harm as she lived her life with her love, the god, Silas.
“Silas could never understand Selena’s love of her supernatural creatures.
Often, she called them to her, wishing to hear of their days, their loves, their
dreams. As it often happens, Silas’s jealousy overtook him. He began lashing
out
at Selena by killing off the things she loved most. This is how the Nexxus was
created. The goddess made it, using all her powers, to be the ever after of her
beloved beings as well as the resting place of her guardians. Using her powers
left her defenseless against her lover. Heartbroken by his actions, Selena
called
upon the Ultimate Creator to help her. Hearing her pleas, Silas was banished to
a
dark void known as the Exodus, the home of darkness.”
“What happened to Selena?” Mileena asked.
By the look on her face, Arthur could see she was completely taken by thestory. “Powerless, she said good-bye to her creations and entered the Nexxus
herself. She dwells there, and the power of the races she created is the only
thing
keeping her in existence.” He finished with a shake of his head.
“And what does this have to do with what’s happening to you?” she asked,
looking at Sebastian, who dropped his head. “I know you told me we needed a
pure-blooded guardian to ascend, but why?”
“The Ascension, the rising of the guardians, is an important event. It gives the
goddess the power she needs. Our races thrive. The goddess gains strength
from
each guardian who ascends, however, the Ascension of a purebred guardian is
needed to keep the balance of each race. Without it, a race starts to weaken
and
die. Unfortunately, it has been quite a while since such a guardian has
ascended
from the vampire race. This has weakened us. As an elder vampire, it has
weakened me quite a bit. Without a proper Ascension, I will die and enter the
Nexxus.”
Seeing the fear cross Mileena’s face, Sebastian got to his feet. “The Atherton
family is the last pure-blooded guardian family we know still survives. As
Arthur said, there could be others who have gone into hiding. They could also
be
dead. We have no idea. The council stopped keeping track of the guardians
long
ago. The Athertons have not attended an Ascension in hundreds of years. They
want nothing to do with it,” he said, looking at Arthur. The sight of the man sent

chills down his spine. A mere month earlier, the man had been as young-
looking

as himself.


 

Follow the tour HERE

for exclusive content and a giveaway!